Bank of America Mortgage Reviews

Eric **, the supposed and appointed moderator for this settlement never returns any communications of ANY KIND and the CFPB is just as broken and dysfunctional, IN MY OPINION, as B of A. Also read the Montana Supreme Court ruling against B of A last year and what one justice had to say about all the "negligent misrepresentation". It spells out all the dirty tricks and insincere efforts, not to mention all the totally wasted money in countless FedEx mailings and the time and effort to discourage people and beat them down with intimidation, threats, and terrible communications. Even our inept Congress just overlooks all these along with most other governmental agencies.

They should have bailed out the homeowners with two stipulations - pay off your mortgage and buy a new car. Thousands of people have been needlessly shafted and put out of their homes needlessly while Bank of America continues to grow and make more money than ever in my humble opinion. It is really sad and even the President and Donald Trump know about this and let it happen. I am a 71 year old Vietnam Veteran and sure could use the help.

Now 3 days prior to closing and another $150 spent on a re-inspection the bank calls and said it is terminated. They said the buyer cannot use the money in savings and that they need to liquidate their IRA for the down payment. ABSURD! I have never heard of this in my 8 years of real estate. The buyer has been with BOA for 13 years and all they have to do is look on past statements to see the progression of deposits from paychecks. This person saved for 13 years to buy house and now they can't because BOA does not understand savings!!!

I was upset and just plain tired of being on the phone for a few days and for over an hour at a time, being transferred to 3 different departments. I just said fine and made the usual payment per our signed legal document filed thru bankruptcy court. Now it's October 20th, I called into Bank of America on October 15 to make our current mortgage payment and the agreed repayment amount and was informed by the consumer affairs department after I was transferred from the bankruptcy department that there was no such repayment plan on file and that I would need to speak to our customer relations manager.

I phoned my customers relations manager on October 16 and attempted to make a payment per our agreement. She then informed me there was no such payment arrangement on file and that I would need to provide proof. She then stated that an agreement with my bankruptcy attorney isn't going to be valid with Bank of America. I informed her it was a document filed thru the courts and was accepted by the Bankruptcy Attorneys thru Bank of America. She then stated I need to provide proof. I became irate and informed her I wanted to speak with a manager and not her. She informed me her manager was not available and gave me a long distance number to contact them. I informed her I needed an 800 #. She advised that was the only number available.

I hung up and spoke with Alicia in the Bankruptcy Department. She put in a request to the Bank of America Bankruptcy Attorneys to send the document in question. We discussed the events that had taken place and the escalated phone call with my customer relations manager. I was really upset and decided to make my mortgage payment and the agreed upon repayment amount via the automated system. The automatic system took my payment and I was finally able to sleep at night for once. I receive a phone call this morning October 20 from Dennis ** from the customer complaint department and she explains to me the reason she phoned me was because I have been unable to make my mortgage payments.

Now I was under the assumption that customer service, customer relations, consumer affairs and the bankruptcy department do not relay information to one another. Every department has different systems and aren't given access clients mortgage information. Now she is able to pull up the agreement that had just been put on file today. I have had this document since February 12, 2015 when it was filed with the court and a copy was sent to Bank of America and their Bankruptcy attorneys. Dennis ** informs me she needs to contact me at a later time as she doesn't understand the legal verbiage on the document and needs to contact the bankruptcy department for advice. I explain it's a legal binding document. She replies she doesn't know that and then informs me her supervisor is reviewing the document is it's null and void since my bankruptcy was lifted.

The repayment plan became in effect February 2015. I have made my payments when my Bankruptcy went from a chapter 13 to a chapter 7 the BK was lifted but I still continued to make payments. Bank of America continued to take my payments and have not returned the $3600 dollars I have been paying to bring my account current. Please advise as to what I can do. I spoke with the bankruptcy department and they have informed me I can be up to date and current if I pay them the full amount due which is $3,798.52. I don't understand. If the repayment plan ends on February 1, 2016 why can't we just finish out the repayment plan since we have been keeping up with our end of the agreement?

We have been using the equity to build on to our home so we refinanced the loan to build a garage. We started the process in June of 2014. Because the area we live in is somewhat unique in the size of the homes and the amount of land they sit on in comparison to the area around us we had to have a physical appraisal done in lieu of a desktop. Because we were tiling a shower when the appraisal was done, they delayed the loan because the house was "under construction."

They told me to finish the tile and call back and they would send the appraiser out for a second time, so we did. Now the balloon was due on the original in August and we were concerned how that would work with the delay and we were advised by Bank of America to continue to make a payment on it but since we were in process of the new loan there would not be an issue with the loan becoming delinquent. We had to beg them to take the payment, get management involved, hours on the phone and everything else under the sun to make a payment because the loan was technically due in full. One side said "do it", the other said "you could not." The shower was finished and the loan closed. A month later Credit Karma alerts me to a negative mark on the credit and guess who.... Bank of America tagged us with a 30 delinquent mark.

Hours upon hours upon hours on the phone and weeks of doing it to get the delinquent mark removed. We were told that we were never told we would be OK and the loan was due and should have been paid etc etc. Bank of America took no responsibility for their instruction. I demanded the tapes with the loan origination folks and Bank of America said they would review them but they did not share the findings of those tapes with us but I will assume they made the case as the mark was removed.

Loan closed in August of 2014. We have made out payments since and our statement comes every month showing what we have available. We contract for our garage to be built this week and go to make a payment for the initial costs and decide we better order a few more checks for the account. We then learn that our account was suspended due to a devaluation of the property. I asked them to explain to me what they are talking about and they inform me that a computer model they use to appraise property value indicated that our value had decreased by $100,000.

They tell me the account was suspended in December of 2014, less than four months after we closed the loan and had a physical appraisal done on the property. For the next 45 minutes I ask question after question and the most frequent answer I get is "That is confidential bank information and I cannot share that with you" but I am expected to answer everything they ask, DOB, social security etc etc.

I explain that there was a physical appraisal done on the property and there has been no market crash in this area, destruction of the home or anything to support their devaluation. I ask them to pull the appraisal that was done and more than one Bank of America associate told me that no appraisal was ever done on the property for Bank of America. One even told me I must be thinking about another mortgage process because it was not them. I speak with several different people and the only option for me is to put together a list of documentation, improvements to the home and anything I can come up with to support that my house is worth more than their computer model states.

The next day we track down the company that did the appraisal and they confirm that they in fact appraised the property for Bank of America and still have the appraisal. Due to regulations they cannot give it to me but they can provide it to Bank of America if they request it from the department that ordered it. I put numerous phone calls into Ryan ** who had been one of the primary contacts when we deal with the loan fiasco in 2014. I explained the issue to his voicemail over a 2 day period and never got a callback. I spent the entire second day talking to voicemail after voicemail and person after person that could not see this or that, or did not have the authority to help me with the issue or anything to put the money in the hands of the contractors outside the house.

One associate tells me the appraisal is right in front of him but I still have to do all the legwork to file the request to remove the account suspension. Once they have all the documents including a copy of my utility bill to prove residency? Really?? They will look it over and let me know where we go from there. They may want to send another appraiser out to walk through the house, recheck the credit and all sorts of fun little stuff.

In the meantime I am over a barrel with the garage construction waiting on Bank of America to review and decide how they want to handle all of this. To me it was a simple as looking over the appraisal to see the difference between the original "desktop appraisal" and the physical appraisal and reach out to that company to "reevaluate" the issue there which would have cleared this up in one phone call. Instead we are entering day 4 with no end in sight and still need the equity to pay for what we have contracted to do.

Just be aware that Bank of America is a very sloppily run company. No two departments can see the same information. Nobody has the authority to do anything or fix anything without some lengthy, drawn out process that will literally require you to devote hours if not days to sitting on the phone explaining and re-explaining the situation in hopes that you get someone that will break away from the script and go "wait a minute, that doesn't sound right." I used some of the corporate emails and have gotten no response from them either. Don't think the customer advocate will do much good for you either.

When I contacted them they told me that the information they saw showed my account was good. In their own words, they could only provide an ear and assist in transferring you around the company to the departments that could attempt to make sense out of everything. Bank of America is by far the worst and most disappointing bank that I have ever dealt with. I don't know what else to say, it's just not good in any way and when something has to be fixed, get ready to do all the work because they cannot even call the people they contract with to get the documentation. Incompetent, do not care, too big to worry about one account and generally not good!

I got a response from the Manager saying that they had a problem with the loan officer. She had a replacement and they will definitely work and get back to me in two days. I called him and left messages and finally sent him an email saying that if it's hard to take calls, they can email me the status and also forward that to the new loan officer for future communication. Nothing... It's one way I call, no response and I send an email, all I get from her is we are cleaning the mess and will get back to you. 3 weeks passed by quickly. I was upset and asked her what is the reason, she said that she will put a word to her Manager. I called him and asked what is it taking so long, I already sent you the credit reports and we have excellent record. This time he says it's not the credit report, it's the value of the home. Really!!! He said the appraiser gave them a value of the home as $ 289,000 but we got another who said it's $ 324,000.

Irrelevant of what value, the amount we asked for loan was $245,000. So, what was holding them to approve? Here is the ACTUAL REASON. We have a loan with BOFA, paying 5.25% rate and it's a 30 year loan. We are now refinancing to a 15 year loan for 3.625%. The loan officer was replaced because she was fair and submitted the application which the manager did not like but they have to have a genuine excuse to deny my application. So first, I was told about credit report then about home value so they could increase my interest rate if I proceed or I will withdraw and I just continue paying the 5.25%. I made up my mind and wrote the manager that I will take my business to other bank. My husband want to sue the bank for fraud. We decided to transfer our accounts and this loan to other bank. I trusted this Bank and stayed with them for 25 years and this is what I get for being a loyal customer.

After the bankruptcy (and having made between 2-3 years of one time payments) BOA now wants a short sale deed in lieu of foreclosure. The attorney I hired did not know what he was doing. You have to get a "reaffirmation of debt." Remember that folks. I recently attended one of BOA's "we are going to help you" scams and they jumped all over me. I just inquired as to maybe having HAMP or HARP or FLORIDA Hardest-Hit. Unfortunately for them I am an ex-navy fighting machine (molder, foundry work, boiler rooms - places most people don't know about or what happens when they shut the only hatch you can exit out of). IS THERE AN ATTORNEY OUT THERE WITH ANY COJONES? Guts, true grit. Please.

Well, I called and they said they could either connect me to their HELOC refinancing department or the modification department. I picked the latter since I can't qualify for a traditional refi with my loan-to-value ratio. Note that I'm completely current on my payments and have NEVER been late (on HELOC or first mortgage). After speaking to a twenty-something rude and very negative customer 'care' representative, I decided to forget the entire thing. Why should I deal with someone like that when I don't really need the help to begin with (I will refrain from using adjectives that truly describe this horrible person and depressing experience).

Anyway, now that I have faxed them my formal 'opt out' letter, it's taking them over 3 weeks, at this point, for them to get me out of that 'pool' of modification customers. And the frustrating part for me, and this may seem trivial, is that when I made the initial call and received some literature (I did NOT sign or fill out anything and did not start the process), they cut off my online web access so I could NOT pay my HELOC online any longer. I have been doing that regularly for the past nine years. Now I have to pay by phone with a $15.00 phone fee. They did reverse ONE $15.00 charge, but I've made 2 additional phone payments since, so they owe me a refund for those two as well.

BofA is a bureaucratic nightmare! Why do they have to 'review' my desire to opt out? I'm not behind in payments. They're just trying to cover their 'rear end' should something come up with HUD or something I suppose. TOTALLY FRUSTRATING. I DESPISE BofA! I'd love to hear from anyone that has gone through this. I don't need their help and I'm so very sorry I ever asked in the first place for some simple information.

I question it because I actually only wanted 77.10% and BOA guidelines for credit are 620 - 640, I was well above that range why did I even need a higher score. Why didn't I find out a few weeks after the underwriter received my application and why did it take 42 days for them to tell me this? I am under a court order. I never got an answer, they diverted me to another 30 yr conv. with 70% cash out refi (why they didn't just adjust the loan amount on the previous one??). They rushed it through processing after I had to get the vice president involved, the underwriters asked me for long list of silly explanations and documentation all of which I provided, within the same day and one document had to wait until the next day. A few days later they denied me based on the length of time I received the most recent amount of spousal support.

I was furious. Both of these denial they would've known within a few weeks of the application because I gave them all the documentation. Now I am missing my court ordered deadline, technically in contempt of court. They want me to go through FHA. So I said fine. Then they are saying no cash out because I haven't made mtg payments in the last year. The current mtg is in my ex husband's name and was a previous order, ordering him to pay it. And I have to receive the current amount of spousal support for 3 months. Oct. will be 3 months. I called FHA to verify they sent me the info and it wasn't what they told me. Apparently BOA has overlays or they are just giving me a hard time. I've received spousal support for over a year just not in the current amount. So I said "fine, send me the paperwork."

This was 13 days ago, I have yet to receive the FHA loan paperwork, I have yet to close but tonight I receive a sketchy email asking for signed disclosures from the second loan that was supposedly denied and they are telling me my FHA loan is the same loan number as my second loan. I am confused. My credit is not bad but it's not great. I just went through a divorce however I know this is not right. I need help.

In 2014 in the process of trying to find a better price for the flood insurance, I received a quote from Allstate, and to my surprise revealed that I was no longer in a mandatory flood zone. I contacted the City of Ridgeland flood zone administrator who verified that information and also informed me that the flood zone map amendment had occurred in March of 2010. I purchased the flood policy from Allstate with the new flood zone X for coverage of $200,000 and $80,000 contents and faxed a copy of the policy and flood zone map to Bank of America.

After several rounds of threatening letters from Bank of America and me faxing numerous copies of the flood zone map and policy, finally it appeared that I had satisfied their demands. My account statement listed my insurance policy coverage of $200,000, date from 4/19/2014 to 4/19/2015, and most importantly with the correct flood zone noted! I thought the problem was solved, but unfortunately that would not be the case.

Once my policy expired this past April 2015, I received a letter from Bank of America stating they were going to apply lender placed insurance on my account for flood zone X, coverage of $200,000 for 390$. This was actually cheaper than the quotes I had been able to get, so I called Bank of America to discuss if I could just pay that monthly as part of an escrow or did I need to pay it in full. He said that I could make monthly payments and designate the additional payment to escrow. So I did that for the next payment in May 2015. However in June, 2015, I received a letter stating that they were purchasing flood insurance for flood zone AE with coverage of $112,582 at a cost of $1,267.35 to my account. I once again faxed a copy of the flood zone map, and a letter from the City of Ridgeland that stated I was in flood zone X and requested for them to remove the flood insurance requirement.

On June 12, Bank of America sent a letter stating that they required a LOMA from FEMA before they could remove the flood insurance and charged my account $1267.35. I applied for the LOMA from FEMA, but did not receive it until August 6, which I immediately faxed a copy to BoA. The LOMA states the effective date of the amendment to the flood map was March 2010. On August 20, 2015, I received a letter stating they were canceling the lender placed flood insurance, but would only credit my account for $889.80 of the 1267.35 to pay for the premiums while the insurance was placed on the account.

On August 23, 2015, I received another letter from BoA stating they were charging my account for a flood policy, zone AE, coverage of $23,556, for the dates of 8/20/2014 to 8/20/2015 for $285.60. I called to find out what that was for, and they said that it was for flood insurance for the shed that was on my property. The house is not in a mandatory flood zone, but the shed is and I have to provide proof that I carried an AE zone flood policy of coverage $23,556 from August of 2014 to August 2015 by October 6th, 2015 or they will charge my account $285.60. Can they charge me premiums for a flood policy from last year that did not exist and I had no notification from them that I was supposed to carry a separate AE zone policy last year for the shed?

My realtor and I both had to double team them and let them know when several deadlines had to be met on my VA loan. Eventually after several complaints to the supervisor you never got back to us with a resolution the file was sent to another loan processor... Eventually everything was signed off on and approved and the closing date was changed by BofA, it was actually changed three times. Bank of America stopped returning my realtor and I's phone calls and emails with us trying to get the close date.

Then all of a sudden today on Monday September 21, 2015 around 10 o'clock a.m. I get a call from a supervisor at Bank of America telling me that my loan has not been approved. I am totally at a loss for words as my jaw drops to the floor. All of my paperwork was approved by then and everything was verified but they told me that there were too many red flags even though they verified all of the information that needed to be verified.

PO'd and have to figure out fast and a hurry where I'm going to live until I can get my loan process through another lending facility... I give Bank of America as many thumbs down as I possibly can and I will be moving all of my accounts to another banking institution.

Called and Tt someone else and explained I wanted to have a new rep. Was put on hold for 20 min. Call then dropped on their end. I never called them again and they never called me back... Thought because I got bank and cc with them it would be convenient to have a mortgage with them. I have perfect credit and 1W00 a week gross.

Two days before we moved M&T said our modification was denied but she's send short sale papers. We finally got 4 different offers and they wouldn't accept any, THEN they sold our mortgage back to BOA!! So here we are dealing with same ** reps. They won't help do short sale or deed in lieu of foreclosure; different rep every time they call us. I've filed 3 complaints with BBB!! I think any of you should. Hopefully someone can finally get BOA to correct their errors and help us poor folk that try our best to get the house sold or hand it over so they can sell it. So much ANXIETY with BOA.

First, I shouldn't have been charged. Second, I shouldn't have to follow up to make sure they credited me back the right amount. The customer service was great in the beginning, but this mistake has left a bad taste in my mouth. This is a large amount to most Americans but not to Bank of America. Good thing I watch my statements.

After all the inspections ($600-$700 later), I was ready to close on the house until 6 days before my scheduled closing date, my loan officer calls and said they have decided not to approve my loan. So, I was stuck without a loan after paying all the inspections and surveys etc. All because my "work history" wasn't stable enough. I just got back from serving in the Peace Corps for 27 months. If that's not stability, I don't know what is. I've never missed a credit card payment in my life with BOA and now they are saying I'm not stable enough. But they couldn't have told me this 3 months ago when I asked about my work history? Something is not right about this system of preapproval yet they knew they weren't going to let me have the money.

Stay away from Bank of America. I do not trust this bunch of unprofessionals. The other bad thing is that you keep calling them and they never answer. Angelica ** will never ever return your calls when she is listed in your paperwork to help. All their workers are not trained well and they will make you waste your time.

Also wrote CEO of Bank of America Brian Moynihan, was assigned customer advocate Anna **. Never talked with her. Left 8 messages each at least a day apart. Some "advocate". Finally received letter saying exactly what dispute department did. I know most people would not have come back after suffering losses like me. But I did and did not fall behind again. Did not get a bailout or help from anyone. If you want a banking institute with no conscience or heart they are for you.

One time, the person that was supposed to be handling my file was either lied to (by their *internal* dept.) or was just lying to us. She told us something was already done when I knew for a fact it wasn't because I was in contact with our association whom they needed to get documents from. A week and heading to a 90-day escrow, I decided to switch and applied at our neighborhood broker without telling BofA. The broker closed the escrow in less than 30 days. I wasted my appraisal money with BofA, paid additional mortgage payments on a loan they were going to charge me closing costs on. The broker gave me the same rate and they paid all the closing costs including the appraisal fee.

BofA found out another lender was working on my home loan just before I closed and asked 'why' as though they were surprised despite that we were at the 90th day escrow with them. I'm taking all our business elsewhere. Paid off the auto loan, CCs and will be removing both our savings (Merrill & regular). I will leave the checking account strictly out of our own convenience.

If I have to pay a penny on anything, I'd pay it towards my outstanding principal or towards home improvements and not on appraisal or refinancing. If I refinance, I'm back to the disadvantageous situation of starting a new loan with most of my payment going towards interest portion of the loan. Is there no law to force the loan holder to strip the PMI after a reasonable portion of the principal has been paid? PMI wouldn't even have been in place if I had started off with a downpayment of 20%. Am I supposed to pay the PMI for the entire 30 years of the term of my loan?

So although they had the correct info on file, they never called me to verify if I was involved. AND my signature was forged on the loan by this con artist. They stated in a written letter to me "You will have to sue us if you want to get off this loan". So at that point, I contacted an attorney. They took me off the loan after a second complaint letter was sent stating, “If you don't take me off this loan and pay my attorney fees, I will sue. They took me off the loan but did not pay attorney fees. They are horrible institution!!!

I have been in my home ten years already with negative equity, reaching retirement age and have a balloon payment which is currently what my home is underwater. A principal reduction would afford me the opportunity to stay in my home. B of A tell me that my investor does not participate in the principal reduction program, and that my loan was not 60 day behind on January 21, 2013, so I get punished for trying to maintain my mortgage payments. I recently submitted paperwork requesting a fixed mortgage interest rate, a principal reduction and the elimination of the balloon payment and B of A denied me. Offered me a short sale or foreclosure. I would like to keep my townhome and there has to be some help for me out there.

We have received numerous foreclosure letters and every time we call we are told, "We don't have your information" or "You have another handler!!" This process is so exhausting! This can't be legal!!! Now, a few days ago we were informed that our house will be up for auction shortly because our paperwork is incomplete!! How can this be ok? How can BofA do this and get away with it!! I've been reading numerous site where other homeowners are going thru the same thing and have lost their homes due to BofA purposely holding off and wrongfully denying homeowners a modification. I've been reading around on numerous websites to find out that BofA is doing this purposely, they are stalling modifications and putting people in foreclosure and taking their homes. They are telling and paying their employees to stall and deny applications! I don't know what to do at this point!

They thought that I was the one that would have them. They were never sent to me. I called every week for two months stating that I had not received the new set of documents. The BOA rep told me that it was being escalated, everything would be fine. A week later I received a notice that I did not turn in my documents on time and my loan modification was revoked and my home is in foreclosure. I immediately called and was treated horrendously, basically called a liar, that I was claiming not to received the corrected documents but they showed them sent. I cried, I couldn't believe this was happening, I asked to speak to my loan manager. I was contacted the next day and told it was their fault and that it was being escalated, not to worry just make my payments as normal until it was resolved. I waited a week, tried to make a payment three times and was denied due to being in a "foreclosure".

I then called back and was told that my manager was waiting to hear from her manager and not to worry until there was a sale date set?!! I asked if I could have in an email or a letter that this was the bank's error and that I was ok. I was told they do not do that by policy. I had to just wait. I am just meant to trust the BOA representatives who give me no definitive answers and no proof to back up the conversations we have over the phone. My manager is nice but I'm left with uncertainty and a foreclosure looming over my head.

In 2007 we purchase another house in las Vegas and we got the loan with Countrywide 6.25% fixed even I had a high credit score. We were paying on time and paying large payments for the 3 houses and very high interest rate for the other 2 houses. We stop making the payments to Indymac and countrywide and we have to close our business etc. I have to file bankruptcy and we lost a lot of money paying to lawyers and with other companies trying to get modifications. We lost the 2 houses in las Vegas and we have to move to colorado, unfortunately we both are disabled and my husband had to file bk 13 in colorado 2 years ago, we have been paying on time to Bank of america who took over Countrywide loans.

In November 2014 The loan was transfer to BSI Financial and we have been making the payments since then to BSI Financial. On June 26/2015 Ventures Trust 2013-I-H-R by MCM Capital Partners, LLC filed a motion for relief from automatic stay, The court granted the order on motion for relief from stay to foreclose and/or take possession and control of property. They filed a document where community mortgage is transferred the loan to them when this company sold the loan to countrywide. I am worry about this. Who I should talk about? I am afraid to keep sending payments to BSI Financial when Ventures trust is saying that they have not received a payment for 7 months.

The payments that I made during the trial modification at seem to have disappeared and now Bank of America was telling me that I am three months behind in my mortgage and are going to initiate with foreclosure proceedings. Not only were they missing my payments made during the trial modification, they also were reporting to my credit bureau that I was three months delinquent on my mortgage. The HAMP Handbook makes clear that the TPP Notice describes the terms and conditions of the trial period. HAMP Handbook, 8.1 Trial Period Plan Notice at 117. Nowhere in the TTP Notice does BOA state that the TPP Payments will cause the loan to be delinquent if the borrower does not receive a HAMP modification. And nowhere in the TPP Notice does it state that the TPP could have any negative impact on the borrower's credit.

Despite holding an excellent credit rating, personal and business checking and savings accounts with BOA, a BOA car loan of 3-4 years in which we have made every payment on time, and our current BOA home mortgage, we were twice declined by cookie-cutter, one-dimensional and short-sighted government guidelines that did not take our entire history into consideration. All of our hard work and sacrifice had not been rewarded while less deserving demographics continue to receive socialistic, short-sighted subsidies and breaks funded by government through our increasing tax dollars. As predicted, the plethora of lame excuses designed to pass the buck certain individuals had the conviction to impersonally decline us but lacked the fortitude to take responsibility for their actions--have been uttered. Yet these reasons still cannot negate facts.

Despite an overall decline in income this is yet another excuse we've just were told--we still met every BOA mortgage payment over the past five years and have added payments in a mortgage plan that is significantly more expensive than the BOA mortgage plan that we've been declined for (which would have facilitated notable savings to us). Ironically, despite our credit and mortgage payment history, the fact that acceptance would have cut our monthly mortgage payments in half, BOA considers us too risky of an investment. Further, we established our impeccable mortgage history while meeting every BOA car loan payment on time over the past 3-4 years. Therefore, we're dazed by the "logic" that influenced overly safe, unyielding guidelines governing our conviction?

Further, despite my wife's employment and my other self-employed earnings, my wife and I are still stunned that the decision-makers stated that I had not amassed enough time as a W2 employee working a specific part-time job at a certain business. In their one-dimensional thinking, they failed to realize that over the past three years my status as W2 employee under a contract company at that place of business, my eventual transfer status to that place of business as a 1099 contractor, and my current transfer to a W2 employee status with that business never affected my work schedule, pay rate or job description. Therefore, despite working every weekend at that place of business over the past three years, I was only credited for the time I became a W2 employee--the past 5-6 months--for that place of business, which they deemed was not enough history!

Again, the salt in the wound is knowing that many lower income, less hard-working and deserving families are granted an easier path. In essence, it seems that X number of years receiving government subsidies overshadows 8.5 years (mortgage and car loan) of hard work, sacrifice, prompt payments, and responsible fiscal management. What message do you think resonates loudest? We do not care to hear about paralyzing, cookie-cutter, one-dimensional governmental guidelines, facilitated by flawed logic, that have been conceived by the same institutions and regulations which caused the real estate bubble to burst in the first place. Such guidelines are not cover but poor concealment from which perfunctory decision-makers hide behind.

Not being naive, we realize that BOA is a massive entity in which two wronged voices do not rate even a hiccup on BOAs grid. It's this same corporate arrogance that emits wooden core values which do not translate to individuals, especially within the middle class. This is why that BOA U2 One motivational video appears ironic. Virtually everyone in that room, despite their feelings of embarrassment, blindly gave a standing ovation similar to those who mechanically follow mortgage guidelines.

At the end of the day, despite PR messages of unity, family, we care, we understand our customers, and core values, BOA doesn't appear to really care what individual people think. They want their employees in lock-step with the company line, even if it means rendering a hollow standing ovation to a failed attempt to sing a motivational jingle. As a retired Major in the US Marine Corps, I know what truly inspired leadership, teamwork and motivation look, sound and feel like. That singing spectacle and BOAs decision-making mortgage refinance process most definitely are not that.

Similar to a chronic disease, these two denials will adversely affect our efforts to refinance through another lender in addition to wasting our time. We are currently searching for a smaller bank that actually cares about our situation and will take our entire picture into consideration. Dissatisfied and disappointed BOA patrons and hard working, responsible and tax-paying Americans.

The quit claim deed portion of the divorce was never completed. When BoA contacted me about the quit claim deed I could not understand how they approved me then stated I needed this to be done before they would complete the modification. This doesn't make sense. I have no idea where my ex-husband is. He is not a part of my son's life and was abusive during the divorce. I advised Bank of America that I did not know his whereabouts and needed some time to get my attorney involved because this sounds shady to me. BoA applied for a postponement on the sale and it was declined even tho they knew we were trying to get this resolved.

It is a shame that BoA is still going thru with this sale after they had already approved me and then changed their mind. So now me and my son will be homeless even tho I completed all the required documents. BoA should not be able to get away with this and I am now collecting all the documents, etc for an attorney to review.

And I told them the pool in the backyard I paid for I wasn't going to put a new one up. They said I wouldn't get that money. They would keep it until I replaced the pool so I lose the pool and the money. What gives them the right to dictate what I fix or replace and what I don't? The dwelling will be repaired but the pool was after the purchase of the house and I paid for it. They are the worst. I told the lady I would pay my back mortgage to get current so they could endorse the check. She said I can't pay because I'm in the modification process. What? That's A Double Standard if I ever heard one. They are a joke. I should burn the check and walk away from the house but my wife wants to stay. Grrrr.

The entire process at BOA was a disaster. And I was lied to (or at least misled) about how I would be able handle my account multiple times. Took me two weeks to establish an online savings account to provide for automatic payments for my account. Instead of using the internet as promised, I am now I'm told the way to get money into that account to make payments with - is to mail it. Was turned down online for the credit card I applied for when BOA said it was necessary to have it to get security codes to use the internet to access my LOC online. Had to go through 3 or 4 departments to get that resolved and then - I still can't use the internet to manage my LOC.

The initial setup of my account by BOA had an interest rate that was higher than it was supposed to be. I called to get it corrected - they corrected the rate but did not credit back the excess interest they were asking me to pay until I called them back to point out that they had not done so. I was told I would have access to the line of credit through the internet for accessing funds and repaying funds. They told me I would be able to access my account using the internet by tying BOA to the bank account I have with my local (non-BOA) bank (this because BOA has only 1 office in Colorado and it is about a 25 minutes drive from me). They have subsequently said that this is not possible (this after they established my LOC with a penalty that will be applied if I close the line before 3 years).

4/24/2015 - I wanted to pay down the balance on the LOC. First I tried to use the internet - a couple of weeks interacting with BOA people I finally was told I couldn't do it. 5/7/2015 - I had my bank send them a bank check - according to BOA they have no idea where it is. I have been using my bank's bill pay system for the last 7 or 8 years and this is the first and only time the recipient hasn't received it. 5/19/2015 - After waiting 12 days to see if BOA could find the check I put a stop payment on the bank check and did a check payment over the phone. BOA indicated that they would be waiving the interest back to when I began this process because of all the problems I was having and because of the stop payment I had to do. My payment over the phone was to have paid my balance to zero.

7/3/2015 - called BOA. Spent 39 minutes talking to someone that didn't have a clue which end was up and trying to get elevated to a supervisor. Had to hang up while on hold for the supervisor because I had to leave for an appointment. Supervisor called me while I was driving - spent 16 minutes going over the same information. She indicated she would call me back on Monday (after weekend). 7/7/2015 - Today is Tuesday. She did not call Monday as promised and has not returned my call today. I have a minimum of 5 1/2 total hours on the phone dealing with this current problem. And probably 10 times that amount of time on the phone with BOA just getting to this problem. Do yourself a favor - AVOID BOA like the plague.

I walk into the Brighton branch and handed the teller the expired payoff statement along with a five dollar bill and a brand new penny. I told her I had just been on the phone with the number on the paper and they told me I could come here to make the payment. The girl tried pushing everything back to me and said the notice was expired. I again told her I was just on the phone with them and was told I could come here to pay this off. She said she would have to call and again tried giving me back the money which I refused to take.

Twenty minutes later she comes back and tells me they can't take CASH! Payment has to be by certified check. Are you kidding me? How much more certified can you get that true currency. By this time I am ready to blow a gasket. How many hoops can they make you jump through to be rid of them? This idiot then gets another idiot on the phone, someone in Texas, who tries to tell me the same thing. I am standing at their counter, not even trying to be quiet at how stupid this bank is being. Had I been an account holder listening to this I would have closed out all my accounts with them immediately. They realized I was not going to ply their game and finally took my $5.01 but told me it wouldn't post until the next day. This was 9:30 AM. I told her whatever as long as I never hear from them again.

If you are a Banker or attorney promulgating this victimization on the rest of us, you should be the guest on the next ISIS video, you would be worthy. If any of you can live with yourselves, you definitely are not worthy to live amongst us, hiding behind phones with voicemail that you will never answer. Filth, you know what you did, no matter how you, the hired gun media, or the misinformed try to rationalize it.

Long story short, Friday 6/26/15, I received a letter - 'so sorry you don't qualify' but we're offering you a new monthly payment for the next 3 months at $460 MORE than your current payment. In the letter it states by accepting this offer, the payment remains the same - it does not go lower! So why the h*LL would we want to pay $460 MORE than we're currently paying??? BofA has rocks in their heads it seems!

We have been transferred, put on hold, lied to and suppose to close on Friday and still no results. One suggestion from the bank was to pay the $54,000 to clear title and they would send her a check when their records recognize the error --- it has been 14 years and they have no record of this loan. Really? The Bank is putting my client in a bad position because her contract states she has clear and marketable title which she thought to be correct. There is no sense of urgency by anyone.

I contacted BofA & spoke with a very nice manager there. He apologized for what had happened & arranged to start a new refinance at the same rate. Another copious amount of paperwork requested and submitted, including another complete set of tax returns for 3 years. Then they request the tax info again. They ask for all this information, then never look at it. I explain I've already submitted 3 yrs of tax returns twice. Then they request additional evidence of reserves, because they cannot use the $8000 in my BofA account for my LLC. I provide my credit union statement.

In February 2015 I received a small inheritance from a relative that passed away. That deposit is reflected in the credit union statement. They request proof of where that deposit came from. Mind you, if you subtract that deposit, there is still more than enough reserve to meet their requirements. I provide the letter from the trustee at Bank of America, who sent the inheritance for my relative. The letter clearly explains the amount of the inheritance. That's not good enough, they want the cancelled check (From Bank of America, the trustee). It's like I'm lying to them. They tell me that all they need is that cancelled check, once that is received my refinance can be scheduled for closing next week.

I contact Bank of America, spend most of the day trying to get to someone that can help me. I finally get someone who agrees to fax them the cancelled check. She was very nice and did it right away. Two hours later, I receive a request for additional tax information from the loan processor. I talk with the loan officer, she says "That's all we need to close the loan". I explain that is what the processor told me earlier in the day about the cancelled check from the small inheritance. She then admits that in addition to the tax information, they will probably need more information about my tax payment. IT NEVER ENDS - It's the old "Carrot and stick" ploy. "All we need is this one more piece of information to close the loan."

Then it's another, and another. I've been with Bank of America for 35 years. All my accounts there with them. The house has been financed with them for 10 years since it was new. My credit score is outstanding, never a late payment or overdrawn account. What gives? It's like they purposely drag this out so the lock expires on the loan. Over 4 months of wasted time and energy. I will NEVER do business with Bank of America again.

Updated 6/29/2015 - I submitted a review titled the same. I rec'd a response from ** at Bank of America telling me to send her a private message with my contact information.. HOW DO I DO THAT. NOBODY WILL RESPOND TO MY REQUESTS FOR HELP ON SENDING A PRIVATE MESSAGE???

I was charged twice for pay-offs which I knew nothing about or who had ordered them. I was going to be charged for various extensions that were none of my doing. My original Home Loan Specialist, Processor, Mortgage Loan Officer (MLO) person had disappeared, got fired, switched jobs so I was passed around to many different Loan Specialists in 3-4 different states. This multi-MLO's also happened during my BoA 2013 denied Refi which also involved a company utilizing BoA's logos, etc. to obtain financial information... This is called fraud.

Here are some other problems that I would respectfully suggest BoA needs to address: too many MLO's, 3-hour business time difference, repeated extensions due to lack of communication and continuity of personnel, dealing with various loan folks who had not done their homework, were unavailable, duplicity or triplicity (if that's a word), or had no access to my loan information to name a few. I called and sent emails repeatedly for status to MLO and processor to no avail.

BoA cancelled my 2015 Refi and have yet to send me any document stating this cancellation or reasons why. I speak for myself and I may not be alone... but what BoA has done to me is egregious. I believe they may be shameless. Interest rates decreased during this mess as well. I stepped up to the plate. Who speaks for the innocent... the consumer, and where is the over-site? Seriously! Done whining for now. Thanks.

UPDATED ON 08/30/2016: This is an addendum to my business response follow-up earlier this August 2016. Received in the mail 08.29.2016 advertisement from a mortgage company. The name and photo seemed familiar. I called and verified from the person himself that he used to work for BoA and had been the initiator of my past denied refi. This man tried to change the subject or asked how he could help me and that I would need to send him documents. I asked him where he got my information with a legal name that not many know I use with businesses only. He continued to skirt around my focused questions.

When I previously asked about this loan consultant's whereabouts, BoA shared that he left the company, was fired, etc. I was also told that I would have to resubmit all my financial documents and that an extension to hold my interest rate, etc. would cost me (hundreds). What the? I am thinking that BoA and their underwriters are also a travel agents for guilt trips! This was not my doing and I did not pay.

I called BoA 08.29.16 and talked with two employees. I asked, "Did you folks sell my confidential information to others and in particular their past loan consultant who initiated my BoA refi and then became MIA (missing in action)? Did he steal it? I called this a Breach of my confidential information. What does BoA have in place so folks they transfer or dismiss do not take or copy the consumers financial (tax, soc. sec., bank, etc.) information? Gag order? BoA manager said she would pass this information onto their "Privacy Breach Team" and they would not be able to get back to me.

This was/is NOT OK! Red flag! Upset? You betcha! Hate to say what next however... Attorney General, State/Federal Real Estate Mortgage folks, Consumers, Monitor Credit Report, etc. Anyone think of anything else... I am all ears! I have no reason to lie, evidenciary documents, and respectfully suggest consumer beware, reality check and clarify on PAPER EVERYTHING. Suggest to BoA: clean up your house, work for us because WE pay your wages! BoA carries my note. BoA mortgage # **, ref. #: **, breach dated: 08.29.2016. This is my own opinion and experience.

Yesterday I did some research, called a bunch of banks including BOA to see if you can get a loan with a EAD card and to my surprise, yes you can. One of the loan officers at the bank even said he did quite a few of them, reviewed my loan and now it's being investigated as to why it was denied. Do you know how deviating it is to have your dream ripped from you the day before closing? I hope karma bites the ** - underwriter - where it hurts the most. Now I'm waiting to see what the investigation reveals about my loan. Hope mine will be a happy ending where I get my house.

In the meantime, I ask Bank of America and Nationstar, who acquired my loan in Jan 2014 for the wet-ink note, they both sent me the wrong note, wrong date, wrong state, wrong name and wrong amount. The only thing right about it was the loan number!! So I told them both, and lo and behold, approx. one month later, both Nationstar and BofA produce a new note, all fixed up!! I firmly believe that they reproduced my note, since not one of them ever had possession of it, as it was securitized, bundled and sold to wall street investor, such as Bank of New York, Mellon whom, according to Nationstar, would not modify my loan, and as owner of my loan they had to "abide by their wishes".

So I wrote to Bank of New York, Mellon and asked them why they would not modify my loan, they wrote me back telling me that they are NOT THE OWNER OF MY LOAN AND HAD NO RIGHT TO FORECLOSE OR MODIFY ON MY HOME!!! So Nationstar and Bank of America, have always lied to me about the owner of my note, the person with the ability to foreclose on my home. I have not sent a mortgage or HELOC payment in months, so Bank of America writes me an intent to foreclose for the owner Bank of New York, Mellon!!!! Not only that, but I want to know how the hell I was ever approved for a refinance in 2003 and then a $50,000.00 HELOC in 2004, that would mean I received $95,000.00 in a two-year period, only taxable income of $20,000.00 for both my husband and I. WHO IN THEIR RIGHT MIND WOULD EVER APPROVE SUCH A LOAN???

Also, for the $50,000 2004 HELOC disbursement to be made to creditors, I have a lien on my house for one of them and the others have no record of receipt of payment, yet the closing attorney provided me with the copies of cancelled checks. I have no idea on Earth what could have possibly happened. All I know is that Bank of America and Nationstar have been nothing but liars. They even provided me with copies of docs signed at closing that have different initial on the bottom and only one set, not the two of us!!!

I have called and called and called to no avail. Today, I advised that I would be speaking with an attorney and a representative from the Resolution department called me back only to tell me that she would look into it and call me back on Monday, June 8th. Repeatedly, she told me that they do not usually remove litigation fees. These were placed on my account AFTER my modification was in place, AFTER I started making the new, modified payments, and AFTER my case was dismissed with the order that both parties are responsible for their own fees. This cannot be legal. Or can it?

BEWARE of predatory, bait & switch tactics used by Bank of America. We paid on this HELOC every month, at least the min payment often more for the ten years. They repeatedly LIED to us about having received the forms (we had proof). They LIED about what they (BOA) would do. Bank of America operates more like Bullies of America instead of a honest truthful legitimate enterprise. BEWARE. Do NOT believe a word BOA tells you. It's what I have learned from MY very nasty experience with BOA! That goes double if you are a veteran or triple+ if you are a disabled US Veteran like me. BOA is very Anti-American and especially discriminates against vets.

Updated 7/01/2015 - We have a complaint already filed here. We got a new Bank of America rep, but little if anything changes. They will bait you then change tactics. ** is our NEW BOA Rep. He is nice and pleasant while he appears to stab you in the back. The basic tactic, after they bait you then change tracks, is to keep you busy and broke with FRUSTRATION added for good measure. One example, ** of BoA sent forms to sign. One of them I noted, the dates did not seem correct to me. Then a week or so later, he complains the dates on a form he sent for us to return were WRONG! What the 7734 usd! I had TOLD him I thought they were wrong and he did not respond at the time I told him.

Another tactic was ** said he needed me to do something at the bank, closest branch was 35+ miles away. I kept my 2pm supposedly face to face appointment only to find out it was to be handled OVER the PHONE from the Bank of America branch. It was nothing that could not have been done without traveling to the out of town branch! They use such tactics just so they can to disrupt your life and make you feel helpless (&/or hopeless) and just want the nightmare to end.

They drown you in paperwork that never ends. And before long, even if you were organized, you will lose track of where you are, if you ever really knew in the first place. Old Bank of America habits never die, I suppose that goes for other US financial entities (Wall st included) as well. The big MONEY entities seem to have no fear of government; case in point is We The People aka USA were forced to Bail the Out and part of the deal is the bankers (that belong behind bars) responsible for the economic meltdown are NOT held Responsible for their acts.

The Holodeck Law (Atty. Linda Kennedy) is alive and well. RUN, do not walk away from Bank of America, as fast as you can. They are out to destroy the American dream, to destroy "We, the People" in any way they can get away with it, while lining their personal pockets on the backs of their "customers." Even if we ever get our complaint settled, and they get every dime due, in a fair, honest and amicable manner, it will take many years to recover from a credit rating of 930 (Feb 2014) that Bank of America worked overtime to trash (down now to about 520). BTW, they did NOT deny making repeated faux credit inquires to maliciously trash our credit score.

I responded and went before the Judge to be told he could not force BOA to work with me. So, I was forced to file ch 13 bk in order to save my home. However, after 20 months of making our plan payments and almost $15,0000.00 received during our attempts to do a modification providing them with document after document after 2 mediations and numerous conciliation calls BOA applied monies towards older past due payments while increasing the late fees, penalties, interest. So, no money was applied towards the principal mtg. They had my husband's income wrong and offering a trial mod however, would not disclose their figures or terms till 3 months after mod was paid..

We informed them several times of his income. After finally acknowledging his income BOA denied our modification in 2 days with our bk atty and mediator and said it would be an impasse and they do not have to modify our loan. However, we were approved for a short sale. And that we do not qualify for any programs as initially thought. Denial says we could Appeal decision. BOA informed us at mediation that day they would not do an Appeal. We could try to do a modification outside of the ch 13 bk case. The reason we did a ch 13 was to try and save our house. I cannot grasp the concept of a short sale opposed to helping us stay in our house. For some reason FHA loans don't qualify for any programs or a reduction in the mortgage or a forbearance as BOA will get their bailout. What about the homeowners?

He went to Bank of America and got pre-qualified for the mortgage, reassured this would be an easy transaction (putting 20% or $42K down). The auction required $2,500 earnest money. He has spent money for an appraisal $425, survey $375, credit check $35, etc. to have the appraiser say that the missing drywall, an inspection for mold on where the roof used to leak, and staples on the stair treads where the carpet used to be creates a safety hazard and must be remedied before funding.

Bank of America Mortgage lending refuses to allow him to escrow the money to make repairs AFTER closing, Bank of America REO refuses to make repairs and increase the contract amount to cover the expense or to allow him access to the property PRIOR to closing to have repairs made for funding. They have intentionally made it impossible to fulfill terms of the purchase contract and apparently neither department talks to each other enough to work out a reasonable solution. He has even offered to escrow 2 times the amount of the appraisers estimated repair cost and make repairs within 30 days of closing. They have terrible customer service and terrible policies. I recommend staying far away from this company.

I'm now questioning and asking BANK OF AMERICA for the Original Loan documents on the COUNTRYWIDE REFINANCE, there are huge mistakes, and so far, I have not received a copy of the original "SIGNED" LOAN PACKET. Without signatures on this packet, the loan becomes NULL, AND VOID!! That's exactly what it says, to date I have received 3+ packets from BANK OF AMERICA, all of them. Irrelevant to what I've requested, DEPT OF JUSTICE STATE OF OREGON, says I won't ever get the documents because the settlement with COUNTRYWIDE is done!! Please help, please!!

Updated on June 16, 2015: It's Debra from Clackamas again, I have received an additional packet of document's from BANK OF AMERICA regarding the COUNTRYWIDE issue. I currently have a stack of packets, all of them irrelevant to my numerous requests. As a reminder, don't throw anything away, not even the envelopes documents come in, keep all FedEx mailings, even the enclosures they come in. Document everything!! I have currently requested the physical check sent to GMAC Mortgage regarding payoff information Bank of America is telling me that because the funds were done through electronic transfer, they cannot provide me with a copy of the physical check, ok....

Then I want proof of the electronic transfer, and the amount. Just to mention, this 2nd lien to GMAC Mortgage was done 2005, the refinance with countrywide was in 2008. The 2nd lien amount keeps increasing, and the amount was principal and interest combined!!! BANK OF AMERICA IS RESPONSIBLE for COUNTRYWIDE, they did take over in July of 2008. RUSHMORE LOAN MANAGEMENT SERVICES LLC needs to be informed what is going on. They are the current servicer as of December 1st 2015. BIG FAT MESS!!!!

When the short sale period expired I was told by the representative of the bank that nothing further was needed from me. Within a couple of weeks I received a letter from an attorney's office telling me that public sale of my home had been set for approximately 7 weeks out. I had been told prior to that, that I could do the deed-in-lieu and be given 90 days to vacate. I was notified by mail that I had a new customer service rep with the bank so I called him on 5/5/15 and was told the bank had tried to reach me on April 4 with regard to a deed-in-lieu and that my phone number was disconnected. The number he quoted to me was my land line number from another state that was disconnected in 2005, 4 years before I even began doing business with Bank of America. They had 2 other numbers for me but he admitted that they did not try either of those numbers. I have no idea where the bank got the old number but I certainly never provided them with that.

I spoke to this rep again on 5/14/15 and was told that the deed-in-lieu people with the bank had tried once again to reach me, once again on the OLD telephone number and that while he would try to help me that the public sale date on my home was moving forward. We are now 4 more days from my conversation with him and I still have not heard from anyone with regard to the deed-in-lieu and apparently he cannot tell me how I can call them directly. I have never been so frustrated in my life! I want to get this settled. I don't want a foreclosure on my credit. And I want them to for once do what they said they would do.

Updated on 06/16/2015: This bank is moving forward with the public sale of my property on Monday June 22, in spite of all my efforts to simply give them a deed-in-lieu of foreclosure for almost a year now. I have begged everyone there to please postpone the sale and accept the deed-in-lieu and I cannot get anyone to help me. Everyone I talk to tells me it is another department's responsibility. I suppose my next step will be an attorney to try and get this travesty halted. This is beginning to feel very personal simply because no one can possibly be so incompetent.

Even a security guard at BOA knows that credit reports are not updated so quickly as to reflect payments made on accounts in a day. It seems to me that if BOA was interested in financing the loan they would have advised us to push back the closing date and allow time for the payments on my credit cards to be updated on my credit report. The e-mail informing us we were declined came almost 2 weeks after repeatedly contacting our officer to ask for a status update and two weeks before the closing date. The whole experience has made us reevaluate our relationships with the bank and made us grateful that we did not enter into a 30-year relationship with a bank that has shown an extraordinary lack of competent business practices and professionalism.

A month went by and then he says we need a Motion to Sale. I contact my attorney and requested the "Motion to Sale". The attorney stated that they would have to contact all of my debtors first which would be 30 days and then request a court hearing. My attorney stated that this would take 45 to 60 days. When I informed the rep at BOA, he said that the short sale could not remain open that long and to contact BOA when we receive the "Motion to Sale".

In the meantime I was not aware that he close my short sale. SO… when my attorney went to court, a BOA rep was there and said that I did not have a short sale approved in the system Equator and we need to reschedule the hearing. This was a month ago. I have called several times to open the Short Sale process and I have been lied to about what they are doing. No one returns my phone calls when the reps asked me to leave a message. I have been placed on from one person to another, I have encountered reps who are not knowledgeable at all and I am fed up.

I have a court hearing on 5/19/2015, which was request by BOA and the process has not even started or not even opened. I am trying to sell this home but I am to the point where I am I about to throw up my hands and let it foreclose. I am so pissed right now. REP/Case Manager have been ** and ** - which they both say neither of them can help me.

After 9 months of trying I finally ran out of money and could no longer afford my home. I notified the bank and told them we were moving out. I gave them my new address. While trying to expedite the process of foreclosure I get sent a packet to fill out only to be told after its mail in I don't qualify for that and the employee who sent it to me was wrong for doing so. This happened twice (VA loan). After many calls I get the contact number to the attorney who I'd doing my foreclosure for BOA. She said she wasn't given my current address so she couldn't have me served and that's what's been taking so long. (They had my address, received many packages from BOA during this time.)

I finally get served by the local SO. I don't hear anything for a couple months other than the daily third party calls trying to collect for BOA. I call the attorney and she said that BOA has placed a hold on the process due to a home loan remodification. I call BOA and they say they have no record of my home going through foreclosure. I asked they why was I served and why is there an attorney with my file on her desk saying otherwise. I was then told their system crashed and would have to call me back tomorrow. Well over a year into this process. BANK OF AMERICA is easily the worse company I have ever done business with. Due to my own experiences with this company I can easily see why they lost BILLIONS.

So needless to say we are now entering into a short sale and are going to drag the short sale and foreclosure out for a very long time. The ** that is handling our issue called asking if we got our decision from money ** yet. We did not but she knew what it was when she called. We got it 6 days after it was printed and only had 9 days to get the house together and listed. We tried to ask our act rep questions about the short sale but she said that she could not answer anything until we listed the house. I believe in Karma and I know it could take a while to come around but all of money ** employees who I have had contact with and lied to me will have Karma come back on them. Since we have listed we have not heard from money ** nor has our realtor. They are forcing us to lose our home even though we can afford it. If it goes to foreclosure they have met their match.

So after years and years of reassuring noise in writing and in person, we were told "No." Our own wealth manager, a VP, and the bank rep in his office didn't know about the ban. As an extreme position, one could say we were victims of (a) incompetence or (b) misrepresentation. Or both. The blanket ban also applies to military vets and military retirees who stayed overseas, even with VA home loan guarantee. I have held off filing formal complaints with the FTC, the Fed, the NYS banking regulator, the VA, and others only because we feel our own wealth manager shouldn't carry the blame for BofA's position. He has been a positive resource for a decade and apparently he is as angry as we are at the No Exceptions decision. Meanwhile, JP Morgan/Chase, Bank of New York, and another, smaller bank have all said they would welcome our accounts.

Original Review: April 30, 2015

I spoke with a loan officer where we started a loan. He asked me for my debit card as he needs to charge it for credit report fees so I gave it to him but I told him not to take any other fees unless he is pretty sure that the loan would work but the loan defaulted. He promised that everything looks great. I never authorized any payments on my card for appraisal or anything. I told him not to take any appraisal fees until the underwriter approves the loan but he went ahead and he took the money from my account anyway without asking me. I asked him why he took it. He said because I ordered a appraisal without my permission and he then told me that the underwriter didn't approve my loan. I told him refund me my money then which I never told him to take it out of my account. He said no, period.

I would like to get this loan officer questioned and I would like to get my refund back.

Savings and retirement all used up and 8 months later, this is 1st payment we'll miss and denial of mod finally came. What happened to..."If you don't qualify for this program you will qualify for another?" That would be because there is NO other help available. All the "help" they claim to offer is FALSE! All they want is an on time monthly payment. Anyone and everyone else can go suck it. They don't care. They are only going thru the "government motions" from the loan bust to comply with the terms of their OWN agreement. Screw everyone else. And never mind that I have a job now but training is 90 days and income limited during that time.

In short.. no modification, no help, no nothing. We will not be able to pay this month, or the next 2 until late June and by then we will be 3 months behind. I have no idea what is going to happen. Do yourselves a favor and get as far away from these ** as possible. Even if you are NOT in mortgage trouble, please reconsider using them. Go somewhere else or better yet try and pay off your mortgage or not have one at all and stop letting the government and these so called banks own YOU.

I started the process Feb 9, the loan officer was going to do with refinancing through my husbands retirement find as our savings to show proof we have money saved and if we need to borrow in case of hardship we could. I felt like I was seeing relief till our middle person came in the picture (the credit approvals department) was asking all kinds of letters explaining all kinds of reasons and about my certain things on my credit. She wanted a separate letter for everything! I did it, but for some reason I felt she was making it very difficult.

Well now towards when I'm supposed to close apparently by 4/15, I have not received a call back. I have sent emails to my loan officer following up very nicely in regard to what is happening. I just want to make sure that I have to schedule or send payment for May, because I was told if I close by April I won’t have to pay for May. Anyhow, I have not been communicated properly about the final stages about my refinance. I have been the one calling them, and was told everything went ok and approved, now I am waiting for two credit card companies that they stated for me to close out because they will pay it, and I am expecting cash out from that as well.

Well here's the waiting. I emailed my loan officer last Friday and he called me back and said, he doesn't know what the hold up is, but it looks like everything was approved. He then said, I will send an email right now and say, anxious customer wants to know status. I thought to myself, wait a minute anxious customer. I am a customer and now that I have agreed to continue with them and stay with them, made me feel like I should have really shopped around. I like good customer service all the time, not just when they want my business. It should be given all the time!

They deceive, misquote you, underscore the severity of your case, underestimate your honesty. They do not do appraisals, just drive by. My house could be a total wreck inside (not). BOA lies, cheats and rob you of dignity and hope. And all for the good of the INVESTOR. Have spoken with people from Virginia, Simi Valley, Dallas, Denver, Seattle, North Beach Texas, Arkansas and more... All of these contacts said they would help us. THEY DID NOT HELP US. Shame on BOA, President Moynihan, and all those who serve you. We are intelligent and academic people, we just need to be told the truth. Stop this sacred retention program now. Come out and HELP US. God Bless you.

I have never missed a mortgage payment and have had to make up a escrow shortage before with a more ethical mortgage company without complaint. This mafia bank so called 'other costs' is my contribution to the bonuses for the gouging brilliants, and I have always felt victimized ever since my mortgage ended up these parasites. I have requested this greedy bank to sell my mortgage to another lender but never got an answer. I have had mortgages held with at least 12 different mortgage companies since April 1974 but never been subjected to tactics of this unscrupulous institution.

Updated 6/29/2015 - For over a year we have trying to work with BofA to lower our interest rate from 6.75% to a reasonable rate. We have submitted every document on time, only to be asked for the same documents over and over, thus delaying the whole process. I finally came across a manager in a local branch who advised me to meet with a live person at a branch in Folsom. After one meeting with this agent, my request was completed and sent off to the review process. Our Trial Period Plan was approved and was to start in June. The trial payments were HIGHER than our regular payment. I was advised by an attorney to make the payments and see what BofA would give us when we completed the trial plan.

After making all trial payments on time, BofA was "pleased" to approve us for a Modification Agreement and a "more affordable monthly payment". The new proposed payment is MORE than the trial payments and MORE than our regular payments and they did not adjust the interest rate. It is to remain 6.75%. Now they are harassing me with phone calls and emails trying to get us to sign this document. Only an idiot would sign this document. Speaking on the phone with BofA makes me so upset that I become physically ill. Why couldn't BofA just do the right thing and lower our interest rate?

Again, they sent another package, with an even higher rate. It too, was sent to them but never heard anything. In 2010, my ex left because he could not handle the stress of all this mess. They returned payments we tried to send it, etc. After ex left, they tried to bully me into leaving the home. The Deed of Trust was signed only by my ex, my name was not on it. I am on the regular Deed which makes me an owner of one half of the home.

When the bullying didn't work, they then forged my name on the Deed of Trust and stated that they had one with my name on it. That was in 2012. Amazing how they waited two years to "find" this Deed and it miraculously showed up. It's now 2015 and they continue to harass me. There is no shame to this organization. They are the biggest crooks in the world. I have suffered so much pain and mental anguish from this. I don't sleep well at night and I am now alone. What does it take to stop these ** from continuing their evil practices? Are there any attorneys out there that have the gumption to take them down? I haven't found one yet although they all agree I have been wronged.

Update on 4/27/2015 Bank of America responded they wanted to talk to me and left a number. We'll guess what? The ext. number is incorrect so the system tells you to go back to your original message then hangs up. Another way Bank of America avoids dealing with customers. Hopefully Bank of America will respond with a correct number.

UPDATED ON 04/27/2015: A rep from the social media team has left me two messages asking that I call him back. However when you ring and enter his extension the automated system doesn't appear to recognize the action. I called BofA customer and they too could not get through the bogus number. BofA is a huge time waster and I will be closing all my accounts with them as soon as possible. They almost lost us our house and then they were just as flawed when trying to answer my review.

If I could find either someone who experienced a similar situation, A Countrywide or BOA employee that was involved in these Shenanigans that could prove the banks intentionally encoded checks in order to deny loan mods. If I could prove this, I would most likely be awarded punitive damages. This is the first I've written to anyone about this, except my lawyers of course. They are negotiating w/ the banks & our time for answering their discovery request is at hand.

BOA charged me 935.00 to complete the referral package and the attorney charged 1100 est amt. This was provided verbally while awaiting the reinstatement quote which due to weather I did not receive until after it expired on 2/25/2015. I opened an escalated case and explained. I have the money but I don't understand why I'm being charged a total of 2000 est amt in fees and if they had accepted my payments I would have not been charged fees in the 1st place.

The lack of knowledge of the employees and concern regarding the timeliness of the situation lead to me requesting a breakdown of the fees which have now increased to 935.00 for referral and 1885 for foreclosure fees (total reinstatement is 8375.83). I opened another escalated case and was provided the attorney bill gt 3/16/2015 of 971. est. I have asked over and over... for a breakdown of the fees... the only amount that is showing outstanding by the attorney is 971 est.

So my next question to BOA was where are the other fees coming from? I was advised from the attorney that just provided the amount of 971. est outstanding on their books. So, BOA is overcharging homeowners with the hope they cannot pay the overstated amounts. In addition, I would not have any fees if they would have accepted the payment on 2/6/2015 of 900.00 then the payment of 4100.00 all made via bill payment.

Also when I was sick the first time I was cut back to part time due to recovery from surgery, and sent them a partial payment, with the promise to send the balance on my next pay (Sent them my entire pay check). They called and said they did not accept partial payment, and assured me they were sending my check back. I held onto the money and sent a check for the entire payment the next two weeks I got paid. They had kept the partial payment check instead of returning it as promised, and cashed it along with the full payment check. It was a pain getting it back! Plus my account was overdrawn and three checks bounced, of which we had to suck up a $25.00 fee for each.

We don't call them ** of America for nothing. They sold our mortgage to Nationstar Mortgage, and I am so glad to be out from under BOA. Nationstar has been a blessing and a pleasure to work with, and are efficient, courteous, and TRUSTWORTHY. However we still are paying off a bankruptcy, which could have been completely avoided had they worked with us.

I never sent in the other requested financial documents, instead I called the customer service number on the letters I received and asked that they forget about the modification that I didn't want to go through with it. Again I am completely current on my loan and escrow and have been since the last modification. I received a FedEx letter last week from BAC saying that they understood I wanted to opt out of the modification process and sell my house and that they would start the short sell process. I never checked the box on the loan modification request form that I wanted to sell my house. I also was not aware that by filling out the modification request form to see what options were available to me, that I had entered into a contract to short sell my house.

Every time I call BAC I get someone different and I am told that I am current on the loan and not to worry that it is some kind of clerical error. I need help desperately. I do not want to lose my house.

I eventually found out why they cancelled my loan mod. They said they never received my certified check. Well guess what, not only did they receive it... it was negotiated (cashed) by BOA... so, obviously they did receive it and it was a screw up on their part. All I wanted was to bring my interest down, and lower my payments. Every time I spoke to a representative, they were clueless. I made payments until 2012, when they stopped accepting payments. I hired an attorney, who basically sat on his bum, until 2014, when we finally went to court, and the court ordered loss mitigation, in which turn... BOA, once again, denied a modification. I am now facing foreclosure, and have a trial date 3/18 of this year.

I was forced to go to Chapter 13, only to save my home... why is BOA allowed to get away with this? Were they not given trillions (along with other banks) to help homeowners keep their homes through the Home Affordable Act? Where is the help? I've read almost everyone’s complaints, which is very similar to my situation. You hire an attorney... for what? I don't want to lose my home. Had I known what was in store, I never would have tried to get help to lower my payments... which would have only saved me less than $100. Was it worth it? Absolutely not. I hope BOA gets what they deserve... I am so angry.

Updated on 05/13/2015: BOA messed up on my loan modification, by saying they had never received my certified check with the signed documents for the loan modification (which were mailed in the same envelope together - however, dates were different on check and documents). Found out that the check had been negotiated by BOA and in the checks department. They cancelled my loan mod without warning and no answers why. The Attorney General sent them my complaint and they responded to me via mail stating they did nothing wrong. That I sent in the check more than 10 days after receiving the signed documents. They stated that it is not their policy to tell consumers that they must be 6 months behind.

I believe that all of the phone calls are recorded (if I'm not mistaken). They should listen closely. In the meantime, they are now offering me a loan mod at $1100 more than what my actual payment was. Why. They need to fix their mistake. They should honor the loan modification granted in 2010. Had I not paid them during the trial, then yes, it would be my fault. I never got the chance because of the mishandling of the documents and the check, and began my payments again. They said they offered me a loan mod many times, and I never responded. Lies. I had an attorney, which they were aware of, and the only time they sent a loan mod application was because of the trial date we had in court.

I have an appointment with Bay News 9, and I will reveal everything BOA has done to me. I reached out to them for help in lowering my interest rate and mtg pymt after my son was killed in a car accident and instead of help, I have just filed Chapter 13 to save my home. They approved me for a loan mod at $1100 more than my original mortgage payment. I am mortified. I am so upset and angry. They didn't do anything to resolve their mistake. In the meantime, they had appointed someone to speak to me via phone. She called 2 times, and I called her 30 times... always went to her voice mail. And we never spoke once and yet, her name was on the letter I received from BOA - how ironic.

We managed to get all creditors taken care of quickly but one: Bank of America. What they were telling us seemed way too good to be true, so we kept telling them that we would discuss it and get back with them. We called more times than we could count, spoke with different agents each time, and were told the same amazing deal: "We have a program for our active duty military where they don't have to pay their mortgage during their service. It will continue to accrue interest, and you will have to begin paying it back again once you are no longer active duty. You can make payments if you want, but you will not be penalized for not doing so. It won't be reported negatively on your credit in any way." To good to be true, right?

THAT was exactly what we not only thought but expressed to them. They said they totally understood but that it was 100% legitimate. In fact, they didn't simply promote or recommend it to us, they practically shoved it down our throats. It was only later that we discovered this was a predatory program aimed at our country's military families. It is easy to sit back right now and ask how in the world we fell for it. You had to be there and hear how convincing they were, even saying, "It's Bank of America's way of showing our thanks to our military families." After months of conversations with them and promises of how great this program was, we signed up. Things appeared fine, and in fact my husband even called every-so-often to make sure we understood right and that our account was okay. Each time, he was assured that everything was fine and that yes, we understood correctly.

Some time later, I had to return to Oklahoma with my children. My husband had been stationed in a very problematic unit, and he was suffering threats from others, and someone even tried to break into our home, as he tried to change things. (When it rains it pours, as we were about to find out. ) My husband was now in the beginnings of a breakdown that would later be diagnosed as PTSD by an Army therapist after nearly being shot by a fellow soldier while on base. She told him that being in that unit was like being deployed nonstop in a war-zone for 4 years. The officer who he was working with to combat the illegal activities was shot and killed, just feet from him later. When I returned to Oklahoma, we had to get a second vehicle so that my husband could keep ours there with him in North Carolina. THIS was when things went from bad to worse.

We discovered that Bank of America had broken the agreement and had reported negative information to our previously immaculate credit. We immediately contacted them and were assured that it was all a mistake and were given tons of apologies. In the meantime, we had someone co-sign for us (something we NEVER had to do before). That was roughly 4 or 5 years ago now. (Honestly, it has been such hell that I can't even remember exactly.) Over the course of these past years, it went from, 'Oh, we're so sorry! That should not have happened! Yes, you're right, the agreement did say that this would not happen,' to 'We will get this fixed, and you're credit will be repaired within 30 days,' to 'We sent you a letter,' to 'Well then who WOULD pay your mortgage if you don't? ' to 'We told you we won't fix your credit,' to now suing us and threatening foreclosure.

As for the letter they claimed to have sent us, we NEVER got it, but we have gotten all of their hate mail. We were told to ignore the letters because we were working with them and that foreclosure would not happen. We were even told once that they had to discontinue that program because their auditors, or something along those lines, told them they couldn't continue it. I reported Bank of America to the Better Business Bureau twice, and within a few days each time, they called asking for us to give them another chance to fix things. We aren't vindictive. We agreed to give them another chance each time, and each time they were eager to help for a few weeks, only to then start the same garbage again. We have been assigned multiple different agents to "help" us get this fixed, only to be pawned off to another later. Most of those failed to return calls or claimed to not have received paperwork that we would repeatedly send them.

Then, last November or December, we attempted to contact our agent, only to be told that he no longer worked for the company and to be given the name of someone else who was NOW our point of contact. Then, within a day or two, that so-called former agent called us and said he didn't know why we were told that. During that conversation, we even caught the agent in misinformation, which is also a reoccurring theme with them. We called him on it this time, to which he said, "Well, we just made a mistake." So I reminded him that he told me before they didn't make mistakes and that this was all on us. Seriously?! What the heck is going on with Bank of America, and WHY are they doing this to our military families?! We have never had problems like this with any other creditor, and prior to this we were excellent customers who paid more than the amount due most of the time.

Bank of America is destroying our family. My husband is now suffering from mental illness from everything we've been through and continue to go through that I cannot even tell you how scared I am: for him, for us, for the future... Please help us! We need a lawyer, but we have no money. So, we need to bring attention to Bank of America and it's practices against our military families. I beg of you PLEASE. Help us. You may call me any time, and I will happily provide a copy of previous letters to both Bank of America and the Better Business Bureau. I know how stupid we sound for falling for this predatory program, and we know how stupid we ARE for having done so. But they were SO convincing, and we truly needed to find a solution. We did the right thing by repeatedly calling to make sure we were getting the right information. Please.... Help us. I can't even go into detail about the damage this has caused my family.

We just want this to stop. We just want this fixed and for Bank of America fix the damage they caused with our finances/credit. We don't want anything else. Please. I cannot help my husband heal and my family heal from the effects of his mental illness with Bank of America telling us lie after lie and destroying our life even further because of this predatory program that they themselves admitted numerous times promised what we claimed but now say they can do nothing about. They may have a letter that they sent, but we never got it, and from how reliable we were as customers, they should have seen that there was a problem. Likewise, they had our contact information in the form of phone numbers but never called to discuss our options before just breaking the agreement.

We did everything we could to avoid this, and had they simply told us before breaking the agreement and ruining our life, we WOULD have found a way to work things out, as we always had in the past before this mess. I'm sorry this was so long. There is more, I'm sure, but I'm too distraught and terrified to remember more right now. I'm begging you to help us, please. I am also filing yet another report with the BBB, and I'm sending this to local and national news agencies, our state representatives, the White House, and anyone else I can think of. We just need help, but it seems no one cares enough to help. I pray that someone will. It doesn't take much research to find that Bank of America makes a common practice of misusing loan modification programs in this fashion and that we are nowhere near alone in this problem.

THEY got government money to help homeowners but really helped themselves adding on to my loan. They were wrong putting it into foreclosure when one payment was in default which I would of gladly made up had I known. I had to take their adding on all they did or lose my home. They also have me behind on my credit report which I asked over and over for them to correct. THEY ARE VERY CORRUPT AND I ADVISE EVERYONE AVOID ANY KIND OF BUSINESS WITH THEM. Year-to-date interest paid: $606.53.

I thought the homeowner help was to put the balance due on the end of the mortgage but not add 10 years of payments. It was very obscure. I did not notice the principal balance until it was sold to Greentree and received my first statement, by then I already signed the loan in hopes of saving my home. Basically, when they sold my Mortgage they added 23,000 to my principal and it went from a 29 year loan to a 40 year loan and I signed like a dummy. I had no choice it was either sign or foreclose. I had just mailed the paperwork back and they sent me a notice stating Greentree would be servicing my loan and to make my new trial payments to them. Also when these HARP workouts are set up I was told it should reduce my monthly payment and it didn't. I hope someone looks into my case because I'm sure BOA is hiding a lot of money in the sell-offs.

After a few months of moving in our newly built home, we were notified that Bank of America had bought our loan. No big deal. We continue sending two checks each month as before now made out to BOA. After almost a year with BOA we are notified that we owe five thousand some odd dollars to our escrow account. It turns out the checks with ESCROW ACCOUNT were applied to our principal instead of the escrow. After numerous calls to BOA we now are told our mortgage payment will be raised to over two thousand dollars from the original $1479 plus escrow payment. I explain the situation to numerous BOA points of contact we are assigned along with BOA escrow escalation dept. We get nowhere. We still continue to pay our original amount to BOA during this time.

We are now told we can apply for a modification to assist with our mortgage. We go through several BOA staff trying to complete the modification with repeated "lost paperwork" etc. We finally receive the approved letter for the amount of eighteen hundred some odd dollars and cents. We continue making our original payment amount still arguing the escrow issue. BOA now says we are behind and in danger of foreclosure. Fast forward all of this back and forth to Oct. 2013 when on the third modification we finally get for a payment of $1649.

On top of this we were told by BOA that we never should have had to make the payment to the escrow account with the second check, that it had already be calculated into the original $1479. We make all trial mod payments and reapproved for the modification. We continue making our monthly payments but due to a "computer glitch" in the BOA computer 4 of our payments are held due to the modification not being closed out in their system even though we had received and returned the final mod paperwork. We now get a new letter saying our point of contact with BOA had changed again (4th person).

Now in 2014 we hit a hard time when our child is hospitalized and we miss one payment. We explain the situation to BOA with no help. We now begin receiving default and foreclosure letters. We email who we think is the CEO of BOA explaining the situation to be contacted by a female from the office of the president with BOA. We explain everything to her and she is able to fix our modification in the computer system to close it out. She says she has to speak with her manager about the other 4 payments rejected due to their computer error.

A couple of weeks go by and we now are advised of having a new P.O.C. from the office of the president who demands we make the 4 payments or risk being in default. We explain the situation to him and how the previous female was to speak with her manager about the payments held by the computer glitch. He advises there is nothing to be done about that except pay them all now or risk being in default. We continue to make our payments as best as possible and miss a payment due to an unexpected expense.

Now in 2014 we receive all of the legal notices about foreclosure, auction, etc. It now becomes impossible to reach anyone at BOA. Calls go unanswered and unreturned. We try contacting HUD who directs us back to BOA. Our house is placed up for auction at the county courthouse with no buyers. Our house is then listed online on a third party website for auction that closes every few days until finally listed everyday. We are now being contacted by an investment company stating they have purchased the property and are to close Feb. 11, 2015 and want to discuss an exit strategy. The saga continues as we have now contacted a lawyer to assist us. We will keep everyone updated with the status as it proceeds. We need to stop letting this big bully push around all of the little guys!!!!

To make a long story shorter, the process took over a year and at the most it should have taken a few months, some sources have said a few weeks? I found out that BOA fired the company that had been handling the process for months and months but why did they wait so long? Of course, I was not told why. Then, BOA parted ways with the lawyers office that was handling the legal part and hired another. In the meantime, the person's dementia that I was handling the process for got worse and he had to go to assisted living. It costs several thousand dollars per month plus all extras I have to pay also. Needless to say, I also had to pay the electric bill at his home because you cannot cut it off. Plus a good amount of money per month for house insurance.

I wrote a personal letter to the BOA CEO, Brian Moynihan, who has only been CEO for a few years. I explained everything that had happened each step and asked him if he could please consider reimbursing us just some of the cost since it had taken an excessively long time. I never asked for any certain amount. I forgot to mention that during the long process I would call fairly often, without being a nuisance, and the majority of the time would not have anything but a voice mail and did not always even get a call back. Of course, some will consider me naive to think that I would get anything back. But I do see the world the way it "used" to be and I probably always will until I pass.

But I can tell you that the very best customer service in our country is Wells Fargo who was Wachovia. If I could write a longer story, I would tell you two incidences that happened to me personally; one involving the Vice President of Wachovia (for the entire country) and another one involving a branch manager of which was Wachovia at the time, but you may not believe me. But it would restore your faith in the human race. Sometimes, some not all, of the CEO'S forget about us "little" people. They make so much money that they can lose their humanity along the way. The bottom line becomes money at all costs. Without the people, there is no bank. One" humble" rich man comes to mind - Mr. Warren Buffett should be a role model.

Updated on 01/19/2015

So on Sat 17th of Jan. both letter of request for "copy of mortgage note" arrived in the mail. Letter dated 12/30/14 requesting response by Jan 09, 2015. But letters were post marked Jan 12, 2015. Again, the request was never post on the HELOC online status tool. No one from the BOA called requesting the information. The letter requesting mortgage note is not specific as to which mtg note. I might have sent the wrong mtg notes prior.

The offer was for above the asking price which was sent to Bank of America on December 18, 2014, they then came back and said that they needed more paycheck statements which we sent them. On January 6, 2014 I get a phone call from Black Knight, a company apparently B of A uses to shuffle paperwork around so they don't have to deal with customers that tells me my loan has been sold to another company. What this means now is that I'm now facing foreclosure because it is January and I'm now 3 months behind on my mortgage because B of A can't process a short sale that was approved, a offer on the property above what they had priced it at, and buyers who are also approved for their loan. This should have been completed in hours not days. Bank of America purposely sat on the paperwork, how can they do something that literally sends a home into foreclosure? I have tried to contact my representative at B of A but of course can't get through because they no longer service my loan, and the customer service agent I spoke to today won't even give me her last name.

We are moving and had no choice but to sell our home, they assured us that they would handle the short sale process. The house will be empty next week and the perspective new buyers could be moving in but apparently B of A would rather see the foreclosure - no wonder they have had so many lawsuits.

We continued to make our payments through this process which brings us to the Bank of America Loan Modification Program which states that our loan is no longer delinquent and that we have not demonstrated the required hardship in paying your mortgage. (Really?) This statement puzzled me because had we not paid our mortgage we would be subject to losing our home. I called back to confirm this section at 9:38 PM and asked, "If I were delinquent, it sounds like I would have qualified in this section" and I was told YES. So it's as if I was told that I should have held back on my payments!! BofA'S abstract explanation of qualification is a fine line between what the government offers to help homeowners and Bank of America's world of qualifying the homeowner. The enclosed NPV (Net Present Value) chart is nothing more than Bank of Americas Model to disqualify the homeowner.

Updated on 1/15/2015:

Well here we are again. I received a letter dated January 5th after the denial of my modification from BOA not to mention the frustration we've been through since June 18th of 2014, all of which we tried to originate in January of 2014, they are introducing a new customer relationship manager. Now mind you, we received a letter stating they were closing our case due to information they did not receive (of which we sent only four time prior) only to find out our case was still open two Customer relationship managers earlier. After the letter, I made an attempt to reach out to the relationship manager on 1-12-15 at 1:46 pm to no avail being transferred to his voicemail. On 1-13-15 I received an introductory call from the relationship manager after going through the confirmation details, and we were disconnected. I waited for the callback and after a few minutes thinking they would try me back. I reached out to them at 4:28 pm only to be transferred to voicemail again because the recording said "Your Customer Relationship Manager is not available"!! WHAT?? I just talked to him a few minutes ago!!

Two days later, I receive a call from the Short Sale Department. 1-15-15 at 3:31 pm WHAT?? SHORT SALE? FOR WHAT? Stating the she would be closing our case if they do not hear back from us today all of which she called (our home while were at work) ten minutes before she was scheduled to go home for the day. "WHAT"? Just how are we to respond in such a short notice?? With all of the assistance programs the government have put in place of which BOA appears to have strategically disqualified us for is suggesting that my only option is a SHORT SALE? Are you kidding me? After 14 years of making my payments and living in a home of which was our first home together and have grown to love, BOA says SELL IT?? The stress and mental anguish, not to mention asking us to restart a second modification application, all of which was denied in the end? We have been grossly mishandled and insulted! Home ownership should be a pleasure not a nightmare!!

When I spoke to them over the phone for the first time, they asked me a lot of questions and after they finished, they told me I was illegible for a modification. They had me send them all kinds of information like I was applying for a loan, which I suppose I was in a way. By his process took over a month because the kept telling me they didn't receive things that were sent to them several times. Finally they had everything. Then they took another month to tell me I was approved for a modification and sent me their proposal to sign if I wanted to go with the modification. I read it over and they gave me the same interest that I already had and lowered my payment like $30.00.

I declined the modification and told them I would continue to pay my monthly mortgage. I told them on the phone and wrote them a letter stating I have opted not to sign the papers and declined the modification. I thought that was the end of it and didn't think another thought about it till about a month later I received A FedEx envelope from them with the same paperwork in it that they sent the last time. They were telling me I needed to sign it or I could do a short sale or foreclosure. I called them and asked them why I got this after opting out. After being on the phone with them for about an hour they said there was some type of mistake and I needed to resend the letter I wrote them opting out of the modification. The rep told me she would make sure it got taken care of and I believed her. Then a few weeks go by I receive a letter stating that my mortgage payment was put in a holding account because it was the the correct amount of the modification. I called them again and said I opted out of the modification and that was to be applied to my original mortgage. The person I spoke with assured me it would be taken care of and the payment in holding would be applied to my mortgage.

A few weeks later I get another Fedex envelope in the mail from a new customer service rep introducing herself and asking me to please sign the papers so they could complete the modification. I call again and speak to another person and after another hour on the phone they said they would take care of it. I get another letter about a week later stating that I need to get these papers because my account was in danger of becoming delinquent and I may have to do a short sale or be foreclosed on. I call again and get told the same thing they tell me every time that they will take care of it. A few days go by and I get another letter stating that they put my mortgage payment in a holding account because it is not the correct amount that I should be paying for my loan modification. They proceed to tell me that I need to pay the correct amount. At this point I am getting upset and called them again. Go through the same exact thing as the last time and am told that the payment has been posted to my mortgage account and she would make sure it didn't happen again. A month goes by and it seems they took care of it. In the mean time I have to leave town because my father becomes ill and needs me.

I was gone for a month and came home to get the bills and pay them. What is waiting for me, but 3 Fedex envelopes from B of A with the same paperwork as the previous times. I have yet another rep introducing themselves and telling me I need to sign the papers before my account becomes delinquent and also the other letter stating that my account was in danger of becoming delinquent and so forth and so forth. It is now December and it has continued each month since. The same Fedex envelopes with a new rep every month. I have gone through 3 or 4 different mortgage companies trying to get my loan relied but until today each one said that since my loan was not done by Freddie Mac or Fannie Mae they can't help me. Unfortunately they each ran a credit check on me. About 2 weeks ago I got a offer from Chase to refi my mortgage for a very low fixed rate. I applied and today received a letter from them stating that they could not do business with me because Of serious delinquency, length of time an account has been established, credit limits too high and too many credit inquires in the past 12 months.

Bank of America is holding my payment every month til it is past due then applying it to my account which makes it look like I am late, which is giving them justification for sending me their same paperwork month after month. My credit score has gone from the high 700's to 691 and my husbands has gone from 818 to 710. Even though those aren't bad scores either, they will continue to go down as long as B of A continues to play this game with our lives. I have read a lot of stories online of people that have gone through pure hell with B of A after they received Their loan modification. We declined our modification proposal and are going through the same hell. I don't know what to do anymore. I have contacted everyone that I could and have left message after message for supervisors and managers and nothing has helped.

I wrote them a letter and returned it with all the paperwork they sent me this month in the return fedex envelope they send every time they send me paperwork. It is a letter asking them in three different paragraphs in big red letters What Part of I Decline Your offer for a loan Modification Do you not Understand! I have also asked them how much it was costing them to send all these priority Fedex envelopes along with the return Fedex envelope they send their clients each day. I asked how much money they spend on paper and ink. I asked them what it will take to make them stop harassing me. I let them know that I am taking care of my father who is suffering from a brain tumor and I did not have time to deal with all this baloney they are putting me through. Yesterday, I received another Fedex envelope in the mail and a letter. I give up! What else can I do. How long before they completely ruin our credit and how long before they try and foreclose on us? How long before my credit cards start getting canceled like so many others that are going through this? Someone please tell me what to do, Please!

I am on disability and barely make ends meet. I was very upset but felt trapped and started making my trial payments. The whole 3 months you are making trial payments, you are falling behind on your mortgage payment and it was going on my credit report. When I questioned this, they said it will be removed when I get done with the trial. Yes, I did sign the paperwork and agreed with the new payment amount. Six months later, I got a letter stating that they were giving me an additional 30 days to appeal the denial of my request for loss mitigation assistance. Very confused, I called the number on that letter, and the nightmare began. There was an enclosure for a Corrected NPV chart. On this chart it changed the interest rate from the 8.125% to 5.375%. The payment from $748.39 to $590.78. Now mind you, I was not turned down for the modification, and now they send me what I thought I deserved in the first place. Why would I want to appeal?

Not one person could help me on the phone. I would explain the situation, they sent me papers to start all over again. It has been crazy. I finally contacted consumer affairs to help me and it got opened again. The final thing was a woman from the office of the CEO, said the 30 days had passed and I cannot appeal. I told them I am one of the many that will be on the next class action suit. They are so crooked there and unhelpful it is beyond words. I would like to see how many people they really helped and how many they screwed over.

I called up BOA once again and talked to Marylon in the loan assumption department. She was rude and cutting me off in the middle of me talking. She said the HELOC doesn't qualify. My response was then call it something else. This is two mouse clicks to remove someone's name from a mortgage per the court divorce decree. She said she couldn't give me her employee id and didn't know who this Dominic was. She wouldn't look up his employee ID so that I could talk with him and also said her supervisor was out for the day. I am so fed up with this bank and simply need to remove my ex-wife from the mortgage. Please help!

BOA also mentioned to the new bank I was going to use that they have problems with online banking and there are additional fees they charge. This put our refinance with other bank all stop. VA loan has to have clear credit report with no late payments for processing. Granted the one was my fault as I was supposed to have closed prior to the next payment but that did not happen because BOA would not provide required documents in a timely manner. How can you go from Perfect payments to 2 months behind in 4 days time? They began sending refinance paperwork to us knowing that we were already working a refinance. They also are holding payments and gathering their own interest on it before processing to your payment. Finishing up a few loose ends prior to the lawsuit and maybe I can get my house paid for by BOA. This will be a battle. They will think I am small time, but this Veteran will win in the long run!

Throughout this time BofA has lost documents, paperwork, quit claim (I have faxed and sent in at least 10 times), calls not returned. I was offered a special forbearance at $4000 a month which I couldn't pay. Ludicrous amount. When I said no to that but offered a different amount, now I receive a letter of intent to accelerate. It is as if the right hand doesn't know what the left hand is doing. Same time I also receive a FEDEX package with forms to fill out to start the process over. But what about the 2 letters of intent to accelerate? I don't know what to do now or what to believe. I want to save my home but it seems like I can't get straight answers. So now in limbo… again.

Our bankruptcy was approved in January of 2005, and we cleared our bankruptcy as required and it was discharged in January of 2012. At that time we had to write a letter to Bank of America to get them to clear their lien, and at that time (2012) we discovered that in March of 2005 the new company had filed an additional lien on our property. At no time have they contacted us in any way. We are very angry that we were not notified by either Bank of America or the other company about what was going on. We are also very angry that they sold it as a "mortgage" when it was a line of credit, and that they were allowed to file a lien >after< the bankruptcy was granted. This does not appear to be legal behavior to us. Please help us if you can.

My husband runs to the bank to see if there is a problem with our account and they say, 'no'. I send them a copy of all of our statements for the last six months with a letter listing payments paid plus the next months' mortgage (which would be December 2014) payment. I got no response but did receive a letter from B. of A. asking if I would like to sell our home on short sale. Really? I call to verify that they have received the letter or the mortgage payment and get transferred four times then hung up on.

Two days later, my husband gets another collection call. I call customer service who says that even if I sent them copies of their mortgage statements showing that we are current and paying regularly it would not matter unless I could provide copies of all of the cashed checks, as well. So, I am looking for another bank to take our payroll checks, charge cards, checking accounts, savings accounts, debit cards and home loan to as it would appear B of A cannot safely protect my assets or maintain their records.

I was reading online how this repeated request of documents and lack of person to person contact is often a tactic to prolong the process so they can make money and have even given employees bonuses for doing so. I got on the website today to check my status and was pleased to see that I was finally out of "document collection" status and was on "document review". I checked back a few hours later and I was back in "document collection" status. This is so frustrating that I have been given the run around for so long and no one there will help me. How can they mess with people's home and lives so carelessly without any repercussions? I have sent the same bank statements 4 times, taxes 3-4 times, any many other documents multiple times which can be verified on their website. I really just don't know what to do from here except walk away from my home as the stress they are putting me in is just getting to be not worth it.

My loan officer gave me contact information for the individual who cancelled my loan as well as his supervisor. I left voicemails and never heard back. I'm now stuck with paying $475 and additionally not able to get the interest rate that was originally locked. The most frustrating part was that BofA was not my first choice for my refinancing. I was almost halfway through the process with Discover Home Loans, when BofA contacted me and offered a similar rate and the ease of dealing with a bank where I've had a checking account for the past 14 years. I naively made the switch even though Discover were more tech savvy and accepted digital signatures, unlike BofA forcing me to fax documents as if it was the 20th century.

2 years after the bankruptcy we still continue to pay our mortgage with no signed reaffirmation.. We are told we do not qualify for a refi, we do not qualify for the harp, we do not qualify for anything, we are stuck with a large 2nd mortgage payment at 10% with a balloon due in 6 years at 155,000. We are only paying interest not a single cent more.

Loan originated at countrywide, what a scam mortgage this was. In fact loan was attempted to be put in 1st place in which it shouldn't have been because our first mortgage was with Citibank, that was resolved during the discharge. This was clearly a mortgage origination mishap or scam.

There must be an option out there for us. We want to keep our home. We have never been late on either of our mortgage payments with either lender... Why would BOA not sign a reaffirmation with clients in good standings? This doesn't make sense. We both lose out in the end... makes no sense... There are 0 options for us. I cannot believe bank of America cannot help someone in good standings but will help others that are scamming the system not paying their mortgage, stashing money and purchasing homes 4-5 years later with cash.. I’ve watched it for the past 5 years yet I cannot get anyone there to listen to us and resolve our issue, we go from department to department and are communicated different things with no resolution, we sit on hold to be transferred 4-6 times and yet are told completely different stories..

I’m puzzled at the unprofessionalism of BOA.... We have asked BOA to buy out our 1st lender which would even make our payments more affordable by almost 1000 per month, we have asked for a modification and were denied, have asked for a restructure of our loan and were denied..... Clearly there is some solution for people that pay on time and are in good standings... In 6 years we both lose it completely makes no sense to us. I was told by a bank of America employee on the phone that at the end of 6 years they would attempt to take our home in foreclosure.. Why? Why would you take someone's home that is paying on time? Why would you not offer options? It was your choice not to sign the reaffirmation papers. We signed them. This is completely confusing to us..

Why would bank of America put themselves in a position for both parties to lose out? In the position you put us both in, you get nothing monetary since you chose not to sign the reaffirmation and I lose my home a good paying client yet not one soul in BOA has a solution or even cares to try and resolve this issue... completely a lose-lose situation for all parties involved. Why do I continue to pay on a mortgage that BOA intends to take away in 6 years?

It makes complete no sense for BOA to continue helping those in default that scam the system but cannot find a solution for good paying customer. If there is a resolution for this we are open to listening to our options. I have come to realize it does not pay to be in good standings. You can only get help in default which is really very unprofessional and unacceptable. My only option is to seek legal advice. I can’t imagine paying 6 more years on a balloon loan at 10% only to lose our home... option-less.

I began making the 3% payments and the 6 months turned into 25 months of 3% payments and over 7 times of sending in the same paperwork that they asked for. Here is the payment sheet showing that I never was late not one time during the 25 months. I then was asked to go back to the full 6% payment until they completed my modification review. I then began making the full payment and made it without one day late until I refinanced the loan and paid BOA off in March of 2014.

From December 2009 to March 2014 I was never late on my payments one day. Not knowing this, BOA said that I had been behind due to the 3% payments instead of the 6% payments. I did exactly as I was instructed by BOA and made the payment that they gave me during this time. I feel that this late reporting on my bureau has caused entrapment, personal and financial injury for the false reporting of payments made on the exact day or before on the 25 months of payments. After threats of foreclosure, I paid the amount that had incurred due to the payments and have been on time every payment since as the reports states. I am asking that all the late payments from December 2009 to 02/01/2014 be removed from the past due reporting. Thanks for your help. My BOA account number was: **.

When I balked at paying this additional amount, there were little remarks alluding to my house being repossessed. This is something I could not afford to have happen so I signed the paperwork. To this day (5 years later) they cannot-will not tell me what the additional $30k was for and every time I ask they get upset. I even try to do the simple math with them and in the worst-case scenario,.. stating that with the 1 missed payment and $200 a month difference (if they counted that),.. I would still only owe an additional $6000 (with fees and penalties). They rapidly get angry and revert back to "Missed Payments". What a joke they are as a bank, and what a joke they are as a mortgage company. Currently I am looking for another home, which I will pay for and LEAVE this one behind for them to dispose of.

One week before the closing date I told them they had to give me an answer. They said they would not. At that point I discontinued the process and made other arrangements to close on time. Many of their employees sympathized with how I had been treated and apologized for the behavior of their underwriters. I asked for the $455 back. After going thru a number of their customer service people and managers, this was refused. I explained to them that I received no value with them by paying that money. The only thing they did for me was to cause me to almost not close on time. I feel I should be refunded this money. My only other option would be to close my extensive accounts with Bank of America.

Lenders were given over $52 billion dollars to help homeowners keep their homes. It would be really interesting to see how many have been totally screwed by the terrible process utilized by Bank of America, the continual demand for documents, changes in people who are supposed to help you and very poor access for direct communication. The whole process by Bank of America is flawed, corrupt, and dysfunctional.

The Consumer Financial Protection Agency seemed to be really poor at any type of help and follow-up until the last year or so, but it is still very poor, at best. They should be investigating and pursuing all the false claims made by Bank of America, their methods of doing refinancing with excessive costs and fees, when lenders like Chase Bank were and may still be doing refinancing at ZERO COSTS to borrowers in trouble and cutting payment by more than half with many owners!!

One only has to go to the Internet to see how many lawsuits have been filed against nasty old Bank of America to understand how corrupt, inefficient, and inept they are. There has been so much abuse on behalf of Bank of America due to being way too large and it is way over due for the government to step in and cut them down to size and make them fully accountable for ALL the injustice done to innocent homeowners.

The government should have bailed out all the homeowners directly with a stipulation and confirmation that they paid off their mortgage and bought a new car. This would, in my humble opine, resolved the housing crises and the auto crises. Hopefully someone will learn from their mistakes in the future that it does little of any good to further support and help all these large, greedy organizations that got us in this mess to begin with:( This is just not fair and now Brian T. Moynihan (Pres. and CEO of Bank of America) wants to meet privately with Eric Holder and cut yet another deal. Mr. Moynihan is a terrible CEO and unlike Jamie Dimon who had his problems here also but has turned much of it around by actually having his organization, Chase Bank, respond and actually help people with new 30 year loans at very low rates, with NO FEES of any kind, and VERY LIMITED documentation and no income verification or appraisal - that is how you help really distressed homeowners.

After nearly 34 months of continuous demands for help, over 20 supposed people from the supposed "Office of the Pres. and CEO" they finally gave me 4 of the requested modifications but all they did was keep the high interest rates (all were nearly 7%) and they merely extended out the amortization period (due date) to FIFTY (50) years and the CFPA just stood by and let this happen and refused, as far as I know, to fully investigate all the injustice and false claims made on behalf of Bank of America.

I am convinced that all these people making claim of being from the "office of the CEO and President" are a complete office building of inept people with NO actual power to help people other than make the claim and demand countless documents that really have no relevance when a property owner is in trouble, as that is why they sought help in the first place. Someone needs to step in and up here and put all these corrupt and false practices to an end with large fines and money being paid to the damages parties.

So in 20 years I only pay $19,000 on my current principal and then still owe $60,000??? How does this help me? Is this legal? Fair?? So I decline the offer and faxed them a letter to the fact. And guess what, it is now November and they are still trying to push the loan modification on me. They will not reinstate my online bill pay. I have to call in my payment every month and the last time I talked to them they said if I want to keep my home then I should take the loan modification. Now I am scared. I have me, my wife, my 2 daughters (1 is disabled) and my disabled mother living with me. I also have a new trailer (2 years old) I have moved my grandmother in to on my property after my grandfather passed away.