Bank of America Mortgage Reviews

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.

Several months went by. I still continued good faith and sent Countrywide my mortgage payment. Received a "congratulations letter" (yeah right) from BofA introducing themselves as my new mortgage company and where to send payments. Oh and that I was behind in my payments. Okay, caught them up. Financial collapse, jobs lost. However, I continued to make my payments. But, those payments started getting returned. I called BofA, and was told that I was too far behind on my payments and needed to pay the full amount, but that I was also eligible for a mortgage modification.

Did the paperwork. Called to check on the status and was advised they never received the info. This happened on several occasions. Finally I talked to their modification director. She told me, "we need you to resubmit, but I was wasting my time because it won't do no good." I was furious! Then I received the foreclosure letter. Filed Chapt. 13. Been making my payments. Just received another letter that BofA sold my mortgage while I am still paying the Chapt 13. Can they sell my mortgage while I am in Chapt. 13?

I can't sell my home outright because I owe $126K but the home is worth $60K. I have asked BOA to process foreclosure and they stated that I could not request a foreclosure. I have not sent any payments hoping that they will foreclosure. Nothing... I was recently asked if I would lease purchase my home, which sounds like a great idea but will BOA have a problem and request the same document from the courts. It appears that I have no options and is really frustrating. What I can't understand is why BOA is concern and placing stipulations on selling options because I am under bankruptcy when my mortgage is not included in my bankruptcy. What are my options?

There are 3 empty houses on my cul-de-sac. No one is going to apply to buy my house when one of the houses beside me has been empty for over 4 years. Even if I did, where would I live? In an apartment? With my family? I believe this Home Affordable Program is a SHAM and put me in a worse condition than what I was in before I did the program. Bank of America should have never put me in this program and I am shocked that they have not been sued for such a program.

How can I provide court documents which changes a name that is not legally mine? BOA's Landsafe agency was faxed requested ID, attention Vanessa ** to remove the AKA information on credit report 8/4/14. To my knowledge this had been taken care of. I checked with Trans Union on the day of closing and was told Clevan ** had been removed from my report. I sent BOA Mail Stop CA6-919-01-13 450 American Street Simi Valley, CA 93065 a letter with these facts 9/26/14. I also emailed the same to: Holly ** Home Services Specialist II, Specialist "**, Sham" and Loan Officer "**, Robert."

I visited the bank 9/15/14 made this request Case ID: #**, called 9/23/14, 866 855 445-6496 and 800 669-6607 for update. I was told correction documents would be sent. I am still waiting. If in fact Federal law requires Bank of America to obtain and verify the identity of their customers I would like for them to send me documents (other than a Name and Signature Affidavit) that verify I am Clevan **. Thank You.

Long story short this old CC account is now the default account that is associated with my name and 2 subsequent payments have been applied to this old account. Each time I have had to have them reversed and reapplied (do check the receipts at the window before leaving now). I even highlight and instruct the teller that the correct account # is on the coupon and still get incorrect posting. What a bunch of MORONS and what a horrible bank that should have been able to fail.

Three month's later I got the Bill that stated I needed to pay three late payments and fees plus the current month. It turned BAD from there. No help, the run around crap I've read that everyone else has gone through plus the toll of stress and desperate measures to stay in my home that I was forced into doing for sake of my house that we were working so hard on was going to be taken away from me and my wife and kids if I couldn't get the money for the past due payments that were not my fault and I couldn't get help anywhere from a banker all day long. Every single day I worried about it and when or what will I have to do to stay in our house.

This bank made me look like an irresponsible person who I am not and ultimately pushed me into the choices I made that cost me my freedom and will follow me for the rest of my life and they still are foreclosing on me after they have been made whole through the government bailout, their insurance the 7 years of payments from me front loaded and the stock market. I have been ruined by This Bank in ways that I will disclose in the coming week as I am going to seek help from a local attorney since I've been scammed twice by Vulture firms that further rode me down the line. I deserve my home for the scars I bear now from the Bank. It's time I'm heard with litigation. Punitive damages, there's nothing that's going to give me my life back like it was before the Greedy took my life home and just destroyed it for a buck and I had no say in it cause if I would have it would have stayed just how it was going not to be parted out and now I have Junk - it's not right, it's unfair and illegal.

I did have one concern. I rent out my town home and I asked him if that would be a problem (I thought it would be) and he said no, as long as I submitted everything they needed to get approval for the refi. I told him I wanted to think about it and I would get back to him. I called him the next day and said I would move forward with the refi so he sent me an email with everything I needed to provide them with. I immediately sent them everything they asked for. In the few weeks to follow I was dealing back and forth with them. They always seemed to need more and more documents or signed letters explaining things. I always sent them what they needed as soon as I could so I could keep the process going.

Then they come to me needing me to pay $50.00 to my HOA so they could obtain more documents. I fought that a bit because nothing was mentioned about that in the beginning and I already had $660.00 into this refi for an appraisal on the property but in the end I sent the $50.00 check to my HOA. They then sent the documents that BofA was requesting of them. After that, I hadn't heard anything for a couple weeks so yesterday I emailed them trying to get an update on the refi and to tell them I was getting frustrated with the process. I felt like it was never going to end. After all, I now had $710.00 in to this along with a lot of time and effort gathering all the documents they needed, not to mention that almost 2 months has gone by since I first contacted them. So I then receive an email back from them last night saying that I was denied because I rent out the property that I was trying to refinance. I specifically asked about that in the beginning because that was a concern of mine and they said it wouldn't be a problem. All I got was "I'm sorry" and that was it.

So now here I am, out $710.00 and I am getting absolutely NOTHING for it! Needless to say I was absolutely FURIOUS and I emailed them letting them know. I told them to have a supervisor contact me immediately to discuss this. I know it hasn't even been 24 hours since I emailed them back but I have yet to get a reply to the email or a phone call. I have a pretty good feeling I'm not going to either. This is so frustrating! I don't have $710 to just throw away and because they are such a big company I feel helpless. I don't know what to do or where to go from here. I would give anything to be able to pay off this mortgage just to get away from Bank of America. I would NEVER recommend Bank of America for ANY banking needs!

Getting a hold of anyone there is almost impossible - they never answer a call but may or may not return your call if they feel like it. You have to stay on top of them if you want any answers but it's likely you won’t get those anyway. In the end we were told that we could not refi with them at this time because I had not been full time with my employer for long enough even though I had 2 part time jobs prior to becoming full time. My husband makes a very good salary and it should have been enough to base the loan on anyway. We received apologies and promises to hold the rate or get possibly a better one, that we could use the appraisal again in the future, and we would receive a gift card for our troubles. None of that came to fruition and no one feels like returning our calls or making good on these promises.

I received a call from a sales person to work on a new rate but he was not given any of our history and made me feel like I was complaining for no reason. I feel that as existing customers we were totally swept under the carpet, and we wasted way too much time and energy working with them. I would not recommend using B of A unless you want to do a lot of work and get nothing in return. I will be going elsewhere for my refinance and I am sure we will get better service and the attention we deserve. My husband will also be closing our bank accounts with them as we don't feel we should have anything to do with them anymore.

BOA does not seem to have a problem telling you to contact them when you are behind - they just don't seem to be able to do anything once you do contact them. They keep suggesting that I should refinance but I don't want to do that as I am almost halfway thru my loan and the principal is dropping rapidly. This makes me wonder if BOA truly does want to do what they have been ordered to do or are they deliberately stalling and trying to foreclose on houses with the hope they can resell at a better rate -- well good luck with that in my area as the military wants new homes and the other homes on my street have all been sold in short sales or are still on the market at greatly reduced process after years of being up for sale...

Then less than two weeks before closing the loan processor in Texas started sending sternly toned emails saying they needed all these additional docs… I called and left a message advising I did not appreciate the tone of her email as nobody had asked for these documents and the email was accusatory that I was not doing what I needed to do. Remember, I had heard nothing from them for two weeks. I returned all the documentation that night with the exception of a couple things I needed to look into for Letters of Explanation they asked for. I called both my loan processor and loan officer and nobody would return my phone call or emails.

They mandated I do a conference call within 48 hours (I had no idea what this consisted of) on a Friday - keep in mind nobody has still returned any of my numerous calls. Of course, nobody worked over the weekend but I called and left messages each day and nobody returned my calls. When I sent an email back to the loan processor I got an out of office response from her saying she would be gone for the next two weeks. The following Monday I had to dial a 1 800 number on the website and refused to get off the phone until someone would help me and tell me what was going on. It had been about 3 weeks since I had any verbal communication with Bank of America. I called and left messages with my direct contacts and the manager of the loan processor with no responses! So after waiting on the 1 800 number for about 10 minutes, they had a contact for me and he would call me within 5 minutes.

This is Monday and I close at 10:00 am on Friday. I speak to this gentleman and he appears to have everything together and said he sees no reason why we would not be able to close on Friday. He did really well for me on Monday and Tuesday. However, stopped communication with me on Wednesday. I thought no news is good news so I called and left messages and emails and no responses. Thursday he sent an email about 2:00 pm advising we would not be able to close and he would have more details later. Keep in mind this is less than 24 hours within my closing. I called the same 1 800 number as nobody would return my calls and refused to get off the phone. However, they were completely unable to do anything for me. Therefore, I went to a local branch seeking assistance.

After about 45 minutes at the local branch a personal banker finally got a hold of the manager of my loan officer and I spoke with him. He acted like this was out of control and he just found out about it and was doing everything he could and would call me back. He called back within an hour with no information and advised my loan officer would call me back. She did at ~ 5:00 saying they were still processing tax returns and trying to get a hold of previous landlords. Friday the day I was supposed to close my loan officer called me advising I ended up not having enough open credit lines and they requested another 5% down - this was after my scheduled closing.

I advised this is crazy, even questioned if this is legal as I already signed everything and they provided a good faith estimate. I said "so… since I don't have outstanding debt you want me to put more down, the day I am supposed to close." I asked for my appraisal fee to be refunded and my loan officer sent the request to her boss but I never heard anything more. I officially withdrew my application asking them to contact me if they cared at all about how I was treated. I went to a competitor and was approved and through underwriting within a week. I have a good credit score, plenty of money in the bank for the down payment and own the current house I am living in flat out. There is absolutely no reason I should have been treated like this. Stay away!

I received numerous letters about FHA loans saying I am eligible for lower interest rate on my mortgage. Once I provide all the require information, the three companies comes back to inform me that I am not eligible because of a recent home modification. When I informed them that it has been (2) two years ago, I am informed they show March 2013. I then tell them that this is not correct. One gentlemen said the Leon County Public records show that date so I log on to view the document so I could point out that I filed and signed home modification August 2011. On (3) three separate occasion since the year 2011, I have been denied refinancing due to the date Bank of America recorded the home modification document which is March 29, 2013. This is the date all the mortgage companies I have been applying for looks at which is preventing me from getting in a lower rate and refinancing my loan with another mortgage company.

Please help. I signed another set of home modification because Bank of America had to re-record the documents that I signed back in 2011 of which I do not even show where they even recorded the original home modification that I signed in 2011. The strategy Bank of America use to coerce me into signing these documents again in 2013 has done nothing but prevented me from obtaining refinancing which I become eligible until my records are reviewed and they inform me that due to a recent home modification I am not eligible. PLEASE HELP. As outline: Home Modification August 2011, Bank of America recorded home Modification in the Leon County Public records of Florida, March 29, 2013, which was (2) two years later. This is preventing me form obtaining refinancing as well as taking advantage of FHA streamline Refinance/HARP loans. Previous complaints: 5/26/2012, **. 7/2/2013, ** and 9/16/13, **.

I do not wish to have a mortgage with Bank of America of which I feel trapped because of the way they handled my home modification transaction and the stressed they cause communicating with them over the telephone. They are not trustworthy. This is so unfair to me. I don’t know what I can do legally because over the years this has kept me from taking advantage of the FHA streamline refinance programs. Need legal advice and/or help to rid myself of doing business with Bank of America. The attached Leon County Public records home modification document provide support to why I cannot take advantage of streamline mortgage. I have not been 30 days late since 2011 as my credit report shows. Two years to record a home modification. They coerced me into to sign paperwork again as I was told then by reason I had to sign document again would not cause a problem. Well (2) years later it is.

A copy of the contract & additional paperwork requested by B.of A. was forwarded onto them. After which we waited...&...waited...& waited for some kind of response from Bank of America. After about 2-3 weeks, both my Realtor & myself contacted them & we were told they never received the paperwork... So it was submitted to them again. This game went on from April 2011 until September 2011 when my buyer gave up & backed out of the contract. After my eye surgery & several serious family emergencies, my townhouse was relisted again in early 2012. We had a contract the 2nd day it was listed. Once again, the contract with necessary paperwork was submitted.

And again, we were subject to Bank of America's games. No response...then some of the paperwork was missing...then some of the paperwork was out of date... and this went on til October when that buyer gave up & cancelled their offer. At this point, I was at a loss what to do. So, I made an appointment with Tony ** in the local HUD office. He contacted Bank of America & was told that I needed to go thru mediation. So, he got the figures from B of A and I signed the necessary paperwork which he faxed to B of A.

I was to make a payment December, January, & February which was only $1.37 less than my normal payment. Being on a fixed income of $1801.00, the new payment of $739.00 plus HOA fees of $265.00 a month was a real struggle for me. I managed to make the first two payments on time but was late with the third. I had to borrow money from my brother in Houston to make the payment. I tried for 3-hrs. on February 29th, to get in contact with a live person at Bank of America to take my payment over the phone! I ended up making that payment on March 1st.

Approximately a week later, I received a letter from B of A that my mediation agreement had been cancelled since I didn't make the necessary payments on time. It was decided that we would put my place back on the market while we once again requested approval for a Short Sale. It took numerous phone calls before someone finally sent us paperwork again to be resubmitted requesting approval for a short sale. This time, it took a week before getting a solid offer on my place. And here again...we just started all over with submitting paperwork or resubmitting the same paperwork numerous times.

We would go weeks without any type of response then all of sudden, there was some additional form that just had to be sent to Bank of America. I've lost count of the number of times my Realtor has made the drive across town for me to sign a different form that basically stated the same information we had submitted to them over & over again! We also lost that buyer because of time B of A spent getting anything done.

We listed the house again for the 5th time, earlier this year. The contract was sent again to B of A. After almost 4 months, they notified us that they were turning down the contract & going for a Deed in Lieu of Trust. This was after my Realtor had talked the HOA into accepting a reduced amount for HOA dues...which Bank of America said was necessary for approval of the contract. I called Stewart Title Company in Houston to find out why Bank of America was pursuing a Deed in Lieu of Trust when we had a solid contract on the place. The lady I talked to there was unaware of this & cancelled it and sent the paperwork back to the Short Sale Dept. at the bank. During this time we could not get a call back from Bank of America at all!!!

I contacted Tony ** when all this happened & he suggested filing a written complaint with HUD & with the Consumer Financial Protection Bureau...which we did. Last Friday, my Realtor called me to let me know that my latest buyer had given up & purchased another place. Yesterday, we received a copy of Bank of America's response to the complaint and there is not an ounce of truth in any of their comments!

I am a 68-yr. old widow who is partially handicapped. My late husband & I purchased this townhouse in July 1999. He passed away July 4th, 2008. In March of 2011, I finally came to terms that I simply could no longer afford this place. When I initially contacted B of A to let them know, I was only 4 payments behind on my mortgage & HOA dues. They had 5-months to accept or negotiate an acceptable price with my 1st buyer but did absolutely nothing. And now I have lost my 5th buyer in a row all for the same reason... Bank of America took too long & was totally uncooperative.

I have no savings to even cover my expense of moving. This is in a large part due to the expense of carpet cleaning & house cleaning services to see to it that the property would show well. Along with that, I've had to replace the hot water heater and the dish washer in the last year. At one time, I was told by Bank of America that they would see to it that I received $3000 to cover my moving expenses. Regrettably, I never got that in writing.

My Realtor has a huge file on all the exact dates for everything including paperwork submitted, resubmitted...conversations...numerous times when phone calls were never returned...names of different contacts assigned to the account @ Bank of America. She & her staff have done an outstanding job this whole time to try & get this finalized...even though she'll never be repaid for all her time, hard work, & effort. This bank has done nothing but given us repeated runarounds, different excuses, & false promises for over 3 years!!! And after all this time...I'm still stuck in limbo.

I voluntarily cut back work to per-diem from September 2013 to April 2014 to take care of my current husband who developed a serious medical condition. We got married in September 2013. He is a computer engineer and has no choice but working full-time or not working at all. I became his driver and caregiver, and he provided me the health insurance. As soon as he got well enough to drive to work, I got a full-time position and restored my usual income. I did not change my name or the address after the marriage for many reasons. My husband and I have one bank account outside of Bank of America. He transfers funds to our joint account to cover the cost of living since I do most household shopping. I'm applying for refinancing of my own home based on my income and background. I took out some funds from the line of credit to send 2 children to college as a single mother. With today's low interest rate and the fact I will be working next 15-20 years, it was a good idea to refinance.

The underwriter keeps requesting me the signed letters to meet their requirement. I find their inquiries pointless, inappropriate, and offensive. They asked to clarify the reason for “no employment during September 2013”. I was a per-diem employee and it’s an error. They asked me to explain the activity at my husband’s address. It is because we have a joint bank account at his address. They asked the reason for the “inquiry to Bank of America” earlier this year. I contacted the local loan officer for the refinancing information. It should be in their record. They asked me “the source of fund” when I transferred funds between my own Bank of America accounts in May 2014. Why do I have to provide a signed letter to explain the activities within Bank of America? They requested a signed “gift letter” from my husband after he transferred $2,000 from his own account to our joint account in June 2014.

I opened a Delta Airline’s American Express credit card this year. The underwriter requested the proof of the account activities and even had me participate in the conference call including their “credit department” and the America Express to verify my account.

I even received the email from First American Mortgage Service requesting my ex-husband to sign a deed and equity payoff letter. They later waived it, and I did not have to obtain a signature from my ex-husband.

I’ve maintained a decent income after I finished graduate school in 2008. My income dropped only during the 8 month when I cut back to per-diem to take care of my husband. I have a very high credit score. I’ve never paid a credit card interest or missed a payment in my life. I’m refinancing only $180,000 for the home worth over $500,000. Each time they request a letter, I have to spend hours to prepare the documents. I work over 40 hours a week and take care of family members. Two months after the application, the underwriter does not approve it yet. It’s like a terrorist interrogation or harassment. I’m a foreign born and have a foreign name. I feel I’m treated unfairly despite my income, responsibility, and ability to repay.

When I wrote to the President of BoA, I received a response that advised: BoA is required by law to inform you that this communication is from a debt collector, etc., etc. WHY? My Visa balance is 2% of my credit limit. I do not and never have had a loan with BoA nor any debt facility other than my impeccable Visa card. My letter voiced a complaint about the employee who demonstrated discrimination towards me. Not anything else. Subsequent to spending the past 5 months driving around California searching for a home at an affordable price with location and quality in mind, I had finally found a suitable property but the discriminatory and intimidating tactics of BoA has caused undue anxiety, exacerbating the pain in my bad knee and two bad shoulders and the house, of course, sold within days.

When I wrote to the President of BoA, I received a response that advised: BoA is required by law to inform you that this communication is from a debt collector .. etc. etc. WHY? My Visa balance is 2% of my credit limit. I do not and never have had a loan with BoA nor any debt facility other than my impeccable Visa card. My letter voiced a complaint about the employee who demonstrated discrimination towards me. Not anything else.

Subsequent to spending the past 5-months driving around California searching for a home at an affordable price with location and quality in mind, I had finally found a suitable property but the discriminatory and intimidating tactics of BoA has caused undue anxiety, exacerbating the pain in my bad knee and two bad shoulders and the house, of course, sold within days.

As it turns out, it appears my ex-husband has been receiving these notifications (who does not live in this home since our divorce in 2009) which I have yet to see. Because Bank of America would not work with me after the divorce, I was forced to file bankruptcy against the home and was told to wait until after the bankruptcy to call them again which I did and they would not talk to me because my ex was in a bankruptcy. So I was told to wait for a letter from BOA (intent to foreclose which mind you I never received) and then I could call BOA and see about if they would rent it to me or modify the loan. Which after being able to talk to someone on Tuesday, 8/12/14, who stated I cannot remodify unless I have a Quit Claim Deed recorded. Well, my divorce which states I was awarded the home is recorded and serves as such. So therefore BOA will do nothing for a Single Mom raising an 11-yr-old on her own.

The really sad thing is I was willing to update this home since everything is original from when the home was built in 1985 but because of BOA who will not work with its customers, I am being forced out of a home that I love. Just off the top of my head the following repairs need to be made: Complete kitchen and bathroom, Windows, Interior/Exterior Doors and door wall, Roof Leak with a bathroom and kitchen, Basement Leak, Plumbing problems, Electrical problems, A/C doesn't work, New furnace needed, All floors and much more.

I predict someone will have to put a good $75K or more into this house to get in decent condition, which I was willing do to but BOA will not allow it. So BOA/Trot and Trot - Good Job for not notifying the customer and for not working with them. Thank you BOA/Trot and Trot for forcing yet another customer out on the street.

Now we had never missed a payment until we agreed to mod. They said we can miss up to 3 payments and not to pay the next payment and that our paperwork was on its way. Well no paperwork showed up and we made the next payment. Eventually bac sent package and we went thru all the steps and made trial payments and got the letter we were approved. Now we only missed the one payment that they told us to miss which was 1293. The payback was over 5 grand at the end of loan. Well they were suppose to record deed by June 1st and it was never done. We called and they said by June 31st. Well never heard nothing back.

Now within this period of 2010/2011 to 2012 we had many many modification reps. In 2012 we received a letter of denial and all of our modification payments were made and they were showing us 13 payments behind. Well we ended up redoing the paperwork and sending in mega copies in 2012 and 2013. In 2012 they sent us a 1099 stating we only paid 2000 for the year and we made over 13000 in payments. When asked about the money they list they said nothing.

Now it's 2013 and we again redid paperwork that was already approved in 2011 and 2012 so this is the 3rd packet. We repeatedly called bac and they never called us back. When we did have them on the line they stated that our mod rep was changed again and our paperwork has been misplaced again. Now this is the 3rd time. I sent bac a copy of all our payments from 2011 and 2012 which just 2012 added up to almost 14000 dollars. They sent us a new 1099g stating this in December of 2013. Now we still hadn't missed any of their payments. We were making modified payments still at that point. In June of 2013 after being approved twice but bac never finalizing last step and changing payment amounts in computer, bac had us 22 payments behind and owing them 18000 plus dollars.

My husband and I were so upset. He was in Iraq not knowing if he would have a home to come home too. So we decided to take money out of his 401k of 20000.00 and paid bac in June of 2013. So in 2013 we paid bac over 22000.00. It wasn't 30 days after paying that amount they said we were behind that they said we were still 16000.00 behind. Now we started this mod at the beginning of 2011. By June of 2013 we had completed 3 packets and paid a total of 42000.00 since this started. Now our normal payments wouldn't have added up to this amount. Now we have done 2 more packets so we are up to 5 and they state we are first one couple of months ago saying we owed 13 payments and now 60 days later we owe 22 payments. We are at our ends all over them stating to miss one payment and do a modification.

We have never refinanced our loan. Our loan has increased instead of going down. We are almost back to original loan amount after paying for 10 plus years. Bac put this on my husband's credit report which ruined him. We can't refinance with anyone else because of that. Bac holds a possible foreclosure over our heads and all we did was listen and do what they stated. Our home is worth 2 and a half times more than what we owe and we can't refinance or take an equity loan out and we are still doing packet 6 of bac's modification. We need help!!! My husband put 25 years in our military and bac is trying to take our home unjustly and the military you need to keep your bills up or it looks in kindly towards you. Erick from Jersey your story is so much like ours. What can we do? Please help, somebody. We can't lose our home.

16 years in that house, raised my children there... Anyway, How it started... They called me. I was current on my payments, might be a couple of weeks slow for awhile here and there but was managing it. This only began after they bought out my previous mortgage company, Countrywide in which I never had a problem. I was not informed that my account was being sold. I was never told that when BOA was to take over my payment would change. But... back to subject, they called me, with this Home Retention/Modification program that they wanted me to do. Said it would lower my payment in half.

Well for the first few months every time they called, I said no... not interested, but they were persistent... So, I told them send me some information on it and let me look it over... AND IT BEGAN! I then was in their process... They told me not to make any more house payments because in order to do this, they had to show us in "distress"... So, this goes on for awhile. They keep asking for paperwork from our business. I would send and wait... Then I would call, never could get the same person and no one ever knew anything... They would request more paperwork... same process and this went on and on. Finally we get a woman on the phone that is suppose to be on top of the process telling us it had call got messed up, our paperwork was shuffled around to the point of they couldn't find it....and so on...again. However she said she was going to fix it and stay on top of it.

Well while we are on the phone with her, her company is having a foreclosure at a courthouse in Memphis, TN, our house in Savannah, TN, like 4 counties over. TN law states... Before a foreclosure can take place, it has to run at least three times in the paper of the county the house or property is located. This woman when confronted, said, "If you don't see it in your paper then you're not being foreclosed on." So why are they having an auction on our house at the Memphis courthouse?

I already refinanced & am not even trying to go through that again... BTW the refi took 3 1/2 years for them to finally do only after they forced me to do the exact thing they are doing now (i.e. pay everything I was behind on, lawyer fees, etc. after doing this 2 years again I received my refi documents from Fedex with in the week. Which I never even told I was "okayed" for.) At this point it is putting me in a bind trying to come up with all the "fees". I have no idea who to call, write, visit or whatever to see if this is even legal. Please advise. Thank you.

I am behind $68,000 in back payments which includes a lot of fees. My loan was not extend to 40 years. I still have a 30-year loan. I'm trying to have it possible extend the loan for 40 years and if possible increase the rate all to catch up with the back payments of $68,000. I can afford the home, I'm working. BOA last year sold my loan to Green Tree Servicing who is refusing to offer me an in-house mod or any programs to help me catch up with my back payments. I am trying to appeal their decline letter for the mod.

I requested a mod two different times in the last three months. I was turned down both times for two different reasons. First they said it was income. Then I provided the income. The last turn down said I already have a mod and have the rate of 2 % - there is nothing they can do for me. Pay the $68,000. I'm in foreclosure but have not been served with any court papers... What, when and how could I ask the servicing company Green Tree and Bank of America to consider me for a special type of mod or reevaluate my situation. Please help me convince them that I want to stay in my home that I have lived in for nineteen years. Sign, what to do next.

What are my legal rights? Is there an attorney that can assist me?

They had questions for my condo association -- I had to pay $275 for the questionnaire. Then they said that I had to pay $20 for an insurance certificate. Then 6 weeks later, $800 and a daily aggravation -- they call and say my loan is denied because of insurance. I gave them the Fanny Mae guidelines and an email from my association that says the insurance is accepted by all financial institutions. Put out in social media for people to contact me about their loans. Seems everyone's association has co-insurance. Asked and asked for a contact in their insurance department -- denied. Asked for clarification -- none given. So I'm out $800. 6 weeks of my life and now my credit is ruined (was excellent) because I've been denied a loan from BofA. Ruined my credit and my life.

Then 13 payments later I’m told in May of 2013 that my modification never went through and that I was only making partial payments and I was like “What”? I have made 13 payments and you tell me I don’t have a modification and that in February 2013 I refused a modification but I made my modification payments and was never late all because you lost my final modification papers 4 times. And the last time a Rep told me she had them in her hand and all was finished then months later BAC tells me I never had one. And in June 2013 they send me a letter like I’m asking to start a modification but in the same letter say I can “continue to make my permanent modification payments,” as I have been doing… DOES THIS MAKE ANY SENSE?

So I stopped and I’m getting a lawyer. I’m done with the games they play and this past March I had surgery and when I was under the knife somehow I got up and made an inquire to my credit. So now I’m also dealing with identity theft due to BAC incompetence. Now I’m being harassed by BAC and I have no other choice but to get an attorney. Why is the Government letting them do this to hardworking people??? I have every fax, person I spoke to, what they said - time they said it, FedEx that was sent who signed for them, and every little word that was said. I have a file must weight at the very least 75lbs… and I’m ready for a court battle. They acted like they were the mortgage holder and only in the last correspondence did they mention that Freddie Mac holds my mortgage and they are only the servicer. I already knew this because Freddie Mac opened up a case with BAC on their own because they never got a penny!!! So if you wonder how BAC is making money, there you have it!!!

Bank of America as I stated before gave me a modification then turns around months into making the modification payments and tells me my modification never finalized because the envelope which they themselves put the preprinted address on had the wrong address not once, but twice. I was told by the person who was handling my modification that I was LOCKED in and all is finished then months later BAC tells me I don't have a modification. I was contacted by a Mr. S. ** from BAC and was told that I would be helped after a Mrs. T. ** had put in my file that she would no longer talk to me because I yelled at her which is a false statement to put on my account. This told to me by Freddie Mac my lender who opened a case and the person Kara stated to me that this was on my account that I yelled at this lady.

FYI if someone is yelling at you on the phone please hang up - I would, but the fact is I never yelled and I asked BAC to listen to the recording. Anyway so I was passed to a Mr. J. ** and he said he would try to reinstate the modification, but all he was doing was bullying me into taking another modification which was $24 less than the first, but I had to do the trial payment again which would be no problem if they didn't have the power to say on the second payment that they are not going to give me the modification. So since I can't trust BAC how am I to know they will not just turn around and say no after the first payment.

I have made to date 15 payments on the modification since 04/02/2012 and on 07/01/2012 my principal balance was $158,076.91. Keep in mind I have been making payments on this modification I was given. Today 08/22/2013 I call to find out my payoff amount to get away from BAC and was told it is $173,557.91. What happened to the payments I have been making? I have paid since 04/02/2012 this amount $16,165.35 and I only see the balance go up. Can anyone make head or tail of this?

When I check on the computer the account states I'm past due $16,998.90. I want to learn their math so I can use it for my check book. In one year making payments I went from $158,076.91 to $173,557.91 and paid $16,165.35. Looks to me like they added the money to the principal instead of subtracting it. When I asked Mr. J. ** why I would be making payments of $1077.57 for over a year if I didn't have a modification and all my paperwork he stated to me, "I DON'T KNOW". I said to him with all due respect that is the dumbest thing I have ever heard. If I were allowed to decide on how much I would pay I would have chosen $1 not the $1077.57 BAC told me to pay per my modification agreement which they messed up and I'm forced to pay for it.

I have all my paperwork. I didn't lose my papers like BAC did mine 24 times then the final paperwork twice I'm told now, but was told by Mrs. A. ** all was final and the modification process is all over and I could go on with my life now and just keep making the payments. Mrs. A. ** has since gone MIA and I cannot speak with her. I hope all is well and those movies where they take people out for knowing too much are not real. The way I am being treated makes me think the movies are not that far off from real life, and it scares me to think of what could have happened to her.

If an Attorney is reading this and can help please contact me. Today I have a modification finally I pay a little under $1000 a month but they took all that money and added money to the cost of house. The house is not worth what I have to pay for the next 30 years because as I feel I was cheated, mislead, legally mugged, and it just seems our representatives in Washington just let it happen. What are they getting $9,000,000,000 for when they did nothing help the American People.

My first steps started in 2013 by calling to find out information on how to do a short-sale. I was told absolutely not. After a few months, I called back to BoA to inquire about a loan modification to "make my home more affordable." I was told about this "dedicated" department of BoA that assists consumers with this. I received my initial BoA packet in mid-February. It was very involved, took me a couple of months to collect everything, get copies, etc. I sent in everything, signed everything, completed everything. Now for May, June, July and now August I'm going around and around with BoA with the same game I read here from others. The 30 day processing time period passes - no response. BoA sends a letter saying they can't reach me (They never tried).

I contact them - get voice mail, none calls back. More days go by I call again, talk to someone who says I'm missing documents. They need another signed copy of the form to request tax information because it looks like the form was altered. I supply another signed form and I include my copies of my tax documentation. They now want another month of all statements because more than 30 days has gone by. I supply them immediately. A few weeks go by, I get another letter saying they can't reach me. Same story - now they want written explanation about a deposit. I supply this immediately. Now I learn they need another tax form signed, I have now signed 4 tax forms and sent them to BoA.

Another week goes by - another letter saying they can't reach me (Never received a missed call). I call back - talk to someone find out now they need another month of financial statements, because 30 more days has gone by. I immediately supply these. A few weeks go by, I get another letter saying they can't reach me. Same story- now they want written explanation about transfers. I supply this immediately. It is an unending, same scenario over and over again. At this point, in early August I have been assigned a new representative have a voice mail saying "your documents are incomplete, we need another..." This is a terribly flawed process - make your decision BoA with all I have already sent you. You have enough information from me to move forward. I will be busy submitting complaints to FHA and whoever else I need to.

I declined that offer and filled out the 2nd set of modification paperwork in February, as of July 31 there was no resolution. They repeatedly asked for the same documents over and over again, couldn't read a bank statement and if there was a question, no one did anything until I called. I filed a complaint with the CFPB which lit a small fire under them but now my mortgage has been sold to a new provider, and by the looks of what I am reading, no better than the crooks at BOA. So excited...NOT.

After several more weeks of calling and being passed from person to person (none of whom would give their last names or extension numbers for follow up) I finally had no choice but to file federal and state regulatory complaints as BOA is the only organization holding up the closing on my refinance. I soon got a voicemail from a BOA "Resolution Advocate" asking me to call him. Well, that was about 10 days ago, and my 6 or more voicemails back to him have gone unanswered; but in the meantime, he sent a letter to me in response to my complaints saying that "communication is the key to resolving my situation". If he bothered to call me back, this could all be settled very simply and quickly. Meanwhile, I have another lender, a real estate attorney, and many other interested parties waiting for a closing that can only happen once BOA fulfills a simple request that they have some aversion to handling in a prompt and professional manner.

Also, they filed an insurance claim against our landlord policy on one of the properties that sustained storm damage. Not knowing when the damage actually occurred and our policy had since been cancelled, they falsified documents to say the storm damaged occurred while the policy was still in effect and received a payout from our insurance company of over $5000.00 made out to Bank of America and my husband. They had to have endorsed my husband's name in order to cash the check. (Which we have currently requested copies of). We had no prior knowledge of this and had only found out because when trying to renew our personal homeowners insurance, the cost was much higher than we had originally been paying due to a claim that had been filed against our old landlord policy by a Bank of America "personal adjuster".

I did the 1st modification which was denied and was told I needed to increase my income by 30%. I got another full-time job and did a 2nd modification in October of 2013. This time the entire procedure stopped. My manager did a few escalations with no answers. She was as confused as I was but worked hard to help me. This went on well into February of 2014. After a period of time, my manager who worked so hard to help me was no longer my manager and I was told I needed to resubmit another modification with no answer to the 2nd. I had a new manager who had no clue as to what my old manager had been doing, just requiring another modification. This being just a few weeks from the sale date. I was told after that date there was nothing I could do.

Nonetheless I lost my home and to date I still have no answers to what happened to that modification and no one at BoA can seem to find any answers in all my file. I even had one person in the REO department tell me during our conversation that she had been on the phone with me for 20 minutes and she was done with the conversation. I was shocked! This has been the worst experience of my life and I hope BoA trains their employees to better assist those people going through the most difficult time.

This latest attempt was very close to being complete and they decided they wanted my husband to sign a quitclaim deed. I am not a attorney, but we just didn't understand why he would sign a quitclaim deed. Our understanding was that it was usually used when there was a divorce pending. Well now they have sold this mortgage to Selene Finance and I am scared to death that my husband and I are going to lose everything we have all because B of A gives people the runaround. I guess that's life. Thank You.

To prove we could pay, we had to put our money in an account every month, as well as pay for a Lawyer. We are sunk. We would hope to retire after the house is paid but instead we are going to have to come up with an additional 50,000$ bulk payment after paying our mortgage every month or lose our home in 20 years anyway. Consumer screwed, four years of mental torture and an outrageous "settlement". We won our home, almost lost our marriage and will most likely lose our home after paying BOA for 20 years. Disgusting!

I received a letter acknowledging receipt of the application and have heard nothing further in the more than 30 days since that time - until today - when I received a letter from their attorney stating that my home is going to public sale in less than 60 days. I have no idea if my latest modification application was even processed.. Why can't they just play by the rules???

Negative amortization loans are no longer offered to any home buyers, yet I am unable to obtain any other loan. BOA representatives did not give me any indication as to the outcome, but constantly asking for verification, such as salary, tax info, etc, etc. Relatives of mine had a lot of issues with BOA home loans as well; they were unable to pay their mortgage and needed to get back on their feet, and BOA had NO concern for their situation, even though they always paid their mortgage on time. The representatives were nasty and inconsiderate. My relatives vowed they will NEVER do business with BOA again; BOA did not want to work with them at all!

They withdrawn the fees a WEEK AFTER I was denied??? How does that happen??! !

I refer NO ONE get a mortgage loan with BoA. ZEROOO STARS!!!!

3 days before closing, everyone went on vacation. The underwriter in charge of our file just decided 3 days before our closing day to contact our employer for a verification of employment. We escalated the issue and they kept saying that we will still close. Well, again the people they put in charge are again on vacation. We escalated the situation to the president's CEO office and guess what? Nobody is answering us. Bank of America has completely disappeared. They have not contact us anymore. I feel that they are just like those ghost business that take your money and disappear with no trace behind. We explained what they have caused contract ends. Sellers do not have to sell. We have one month to find housing which in Miami is not enough. It has taken us at least 3 months to find a rental in the past experiences. Further, there is a 2 week to 1 month association approval waiting period.

The sellers live abroad now and only flew for the closing. They are 80+ year old. They are now flying back and as we do not know if we are actually closing. They are now not sure that they want to sell to us anymore. So now, we are pretty much homeless as our apartment is already leased out to a new tenant (properties fly in Miami). We told all levels of management at Bank of America regarding this, but they do not care. They keep ignoring and not even informing us. This is deceitful information. There has been gross negligence on their part. I am not sure if it is because we are young and first time buyers, but that should not matter and if it does this is discrimination. The pain that Bank of America has caused me goes beyond the monetary value. I am so stressed. I cannot eat or sleep. When I get a few sleep hours I get nightmares about this process. I really ask that someone helps us if there is anything that can be done. I have proof of their negligence and their constant deceitful information.

I was out of work for over three months two years ago because I suffered a stroke and was in rehabilitation. We have medical bills and two children that we need to put through college in a couple of years. This has been a nightmare and stressful beyond belief. I cannot understand how BOA gets away from all the fraud and scam they commit on a daily basis with homeowners who are struggling to save their home.

Bank of America kept having different people call our house at all hours of the day trying to get me to sign over the piece of property that I still owned. They tried to offer me money and then kept stalling saying the necessary paperwork was in the mail that I had to fill out and return. They kept jerking me around and kept promising me they had sent out the paperwork and never did. Almost all of the representatives that I talked to had Indian accents. I told them that I was not going to sign anything. After this I just dismissed it and figured it was finished as it was already foreclosed on.

In 2013, we started to work with the Lawyers from Lexington Law to work on our credit and get our credit reports cleaned up. By the advice of Lexington Law, we obtained our credit reports from all three agencies. We looked over our credit reports and let the lawyers know what we wanted to work on first and then listed the other item in the order we wanted to proceed going forward. The lawyers got to Bank of America that shows up on my Experian report number ** dated on May 16, 2013 as Bank of America 4161 Piedmont Pkwy Greensboro NC 27410, 800-451-6362 address identification number: ** Status: Foreclosed. Status details: this account is scheduled to continue on record until Dec 2014. Account History: Foreclosure as of Dec 2009.

I was smart enough that I printed this report out in full. Next thing we knew, Bank of America was calling us telling us that they were going to reverse the foreclosure and were going to be responsible for the entire loan all over again. The calls started again at all hours of the day, sometimes as many as 10-15 times a day. I finally stopped answering the house phone.

The next correspondence from Bank of America was the monthly statement for the house they foreclosed on in 2009. The lawyers at Lexington Law told us that what Bank of America was doing is illegal and that we should get a lawyer. We do not have money for a lawyer as we are below the government poverty income level. We just received a notice from a lawyer's office in Portland ME that Bank of America is going to foreclose on the property in Sanford ME and if we do not respond within 30 days, they are going to start the foreclosure procedures on the property! Please if there is anyone out there that can help us to end this nightmare....Please help us!

The insurance company wanted a second heating source for the property so I purchased a backup electric furnace. They also required an EPA compliant wood stove so I purchased a new stove. Once the BOA underwriter was finished, I was handed over to Loan Officer Latoya ** where the e-document and fax parade started all over again as she needed all the information I had already sent to the underwriter plus several more documents. I spent weeks getting financial records, 401k, and mortgage statements from my primary residence, etc. At one point she was on vacation, and another rep filling in for her asking for some of the same documents I had already sent Latoya. At one point they wanted a signed letter stating I was no longer living at an apartment my wife and I rented from 1980-1983, just after we were married. (WTF)???

Bank of America sent conflicting information about where the titling would take place and who would decide where it would be. Today was the best part as they told me 2 weeks from the expected closing that they can't provide a mortgage because the house is off the grid. They admitted the bank appraiser didn't even look at the property. I told them that the cabin was off grid back in May at the start of this whole process and that I even purchased a new generator for the property since the owner was removing theirs. Well... I'm out some money, had my hopes of a fun retirement trashed, and feel this country has gone completely crazy. I will never, ever, ever, use Bank of America for anything again.

After 8 months of them losing the paperwork I sent 18 times - yes EIGHTEEN - all documented by FedEx receipts and Fax receipts, they told me to try for a short sale and they would pay relocation fees. This is also a lie. There are no relocation fees. They just want you out so they file a title insurance claim against the money owed and then turn around and sell your house and get that money too. Anytime the bank tells you they don't want to foreclosure, it's a lie. This is how they make their money. They then hired Safeguard to spy on me. Safeguard entered my home without permission and changed my locks. They stole from me and caused $55,810 worth of damage to my property and guess what? BofA won't agree to a short sale because they say the hardship of damages caused by THEM doesn't count. LOL You are a joke, Bank of America. I await the day all your execs go to jail. Tick tock.

Well, the crazy part is I was making less than I was for the first modification so go figure. Then I tried to do the Deed in Lieu which I was told was something new that bank of America was doing. They told me in order to qualify for that, I had to attempt a short sale and get approved for a short sale. My new customer service manager sent a request over to have me accepted to do the short sale because she said an appraiser (from bank of America) has to come to my home and I had to get a realtor. So I did. Then my customer service manager said that the short sale department had to contact me. My account was sent over to them and no one ever contacted me. So I got another new customer relationship manager, and she told me about the Hardest hit program.

At this time, I started receiving foreclosure letters. Well, she told me as long as the hardest hit program noted my account, they could not proceed with the foreclosure. I contacted the Hardest hit program, set up a file on line. There was certain document I could only get from Bank of America. I contacted them so many times - every time my customer service manager sent me to voice mail. She never returned ANY of my calls and they foreclosed on March 2014. I have really shorten this information the best I can. I called to ask Bank of America for relocation money and no one can help me. Everyone says basically they are not doing anything with the property right now. All I'm asking is a request for relocation money for my kids and I. I will leave - the property is tip top condition - and even leave the stove and fridge that I bought myself that didn't come with the home. Please help me and contact me as possible. Thanks in advance and may God bless whoever reads this.

The date of our signatures on this Agreement is April 16, 2012. We made our payments in full and on time beginning in May 2012, but we were still receiving notices that we were behind in our payments and in serious trouble. The mortgage wasn't being brought current to the conditions and terms of our modification. And we had not received a copy of the Agreement back with BofA's signature applied. Apparently, we didn't really have a contract ... Fast forward to Early 2013 - our February payment was returned because the amount was less than what was due for the 01/01/2011 payment by over $500.00. We had no idea what this meant, we had no luck contacting our CRM - we sent it back, along with the payment for March. It was returned to us, again. But the March payment was cashed.

We received the Notice of Default in April 2013 and things got really ... interesting. The wife is a 20 plus year employee of Bank of America and sought the help of her District Manager. This person commenced a series of e-mails to several other people on April 12 and by April 19th, an amazing discovery was made: our signed documents were found " ... signed uploaded in Urban". A copy of these were e-mailed back to us and sure enough, BofA had not signed them. What next?

Well, on May 8, 2013, we received another one of those now iconic FedEx packages and in it, along with the copy of the very Agreement we had signed and returned over a year earlier, were two pieces of paper. The first, dated May 7, 2013 is addressed to no one and concerns the modification of nothing. For five years, every scrap of paper BofA has sent to our address has had our names and our account number on them. This cover letter didn't. Also included was a signature page, but not the one that was with the original Agreement for the Bank to sign. It's a plain piece of paper that someone seems to have typed up to look like a signature page. And it's signed by an assistant secretary at Urban Settlement Services, LLC as BofA's attorney in fact dated may 06, 2013. WTF? Again, there is absolutely no reference to us - our loan number! And no bar code, either.

We are in Mediation now - still! After not showing up to the first meeting, BofA has continued to request extensive amounts of time to research the matter, only to return with nothing. As of today's date, we are waiting to hear from them about when they will be ready to meet with us again. Our feeling is, we shouldn't be mediating to keep our home. With their signature, BofA is obligated to honor the terms and conditions of the Agreement as of the DATE of the Agreement. All of our payments were current, and delinquent balances cured. We did not default on the modification, but on the original loan being modified.

In the Payment History, BofA has brought the account current for 2012 more than a year AFTER the fact. There are 150 transactions that take place from August 2, 2013 through August 22, 2013, being payment reversals, miscellaneous postings, and regular payments in wildly varying amounts. Something isn't right ... and the nightmare continues. Our attorney has requested more information about the payment history. Our expectation is that we will convene again with the Mediator to discuss a solution to this. My wife and I want to keep our home.

After talking with several departments I figured out my bill went up but I was never notified. It was found that the bank never sent me a notice and that my late fee would be returned. They did that but then send it to credit agency, and now I get collection calls and have received 3 certified letters in the mail demanding that I pay, so with every letter and phone call, they tell me that I owe money but when they open my account, they tell me I am current till July, and I say no kidding, I paid the bill.

Then they apologize for the calls and letters and tell me they will stop. I got two more in the mail today, called again to get a debt collector who tells me I owe nothing at this time and assures me that they will not call or mail letters anymore. They have also now started sending me paperwork to refinance and letter telling me to borrow money from relatives to pay my bill. I have yet to receive my new monthly billing amount, but have received numerous packets on my "late bill" and how to borrow money to pay my "late bill". I have better things to do with my time than deal with this company.

The problem was what occurred between the start of trying to get a modification and finally getting one. To be eligible, you had to stop making payments initially. Then there was the "lost paperwork" issues (that they admit was done intentionally) that continued month after month, year after year, and the failed promises of "getting approved," not to mention the threat of selling the house on the courthouse steps each and every month-- was a nightmare that shouldn't have happened. In the end, what happened to BofA? Basically nothing. They committed crimes you and I would go to jail for, but not them.

We are fortunate that we are able to be in our home still, and the modification is allowing for that to happen. But the thought of a balloon payment of $160,000.00 at the end is just a number which should have never been allowed to happen, and by an educated guess, may never happen. Not to mention we will never see any equity and have something when it's all said and done.

And BofA wants my business? No thank you.

My wife was extremely frustrated throughout this process many times. They kept switching our customer relations manager, and even though paperwork was being sent in on time we would get decline letters. Why we got those decline letters was because after we sent in paperwork that had been asked for BofA and their underwriters wanted other documents not listed. So if all of the paperwork wasn't in within 30 days a decline letter would come. In this timeline of paperwork being sent was when our first account manager was on vacation, but no calls were returned, and then when BofA switched our customer relations manager again. You call and leave a message and most of the times you sit and wait for them to call you back.

I had near perfect credit before this process began. Since then I have had creditors that I make payments to and have for years, closing my accounts and lowering my credit because it was made to look like I wasn't paying this one bill when all along I was paying it I just couldn't give them the lump sum they wanted. Now that our modification is complete and has been for over 2 months I am waiting for them to fix all 3 credit reports. When I disputed one of them, I received an outcome letter saying that the negatives on my credit reports would remain! BofA needs to follow through with what we and I'm assuming many others were told and fix the credit reports back to the beginning of our modifications. It's very frustrating when you work hard, pay all of your bills on time and are told "don't worry, we'll go back and fix your credit report" and it doesn't happen. Thanks for tanking my credit BofA!

The house was built in 1977, only one time was the address was a post office box. Sent them fax stating our address is correct. We have talked to Collen at Bank of America. I told her of our frustration, she said this was normal. We have never missed a payment nor have we been late, so this week will be almost 5 months since this nightmare started. We called yesterday, left messages for Collen and her boss. Neither one called so my husband called this morning. She told him the underwriter was not excepting our address being correct. We have 48 hours to get a tax refund, check number from IRS. We gave them our bank records. They want us to explain money that was deposited in our checking account which was direct deposit from IRS. Our closing date was supposed to have been May 20.

I was eligible for a modification again in 2010. At that time we had some damage to the home from a freeze/thaw weather scenario that caused $17000 of insulation and plaster damage within the home. The bank told me that I could apply the first disbursement of $12000 to the principal of the loan and repair the damage myself. That never happened. The bank refused to apply the funds to the loan, forcing us further into default. They also refused to release the funds for us to repair the home, until we repaired it out-of-pocket and provided proof - an impossible situation. We eventually had to leave the home and rent elsewhere. I tried negotiating with the bank for the money, re-modification, and finally short sale. Trying to reach the bank and get a return phone call is ridiculous.

I spoke hundreds of times to people in four states, eight different departments, six different negotiators, and at least two different companies affiliated and working as BOA services. I received three contracted offers from buyers that were initially approved by BOA. One by one, the buyers lost patience and faith and backed out - each one took months for communication to come from someone at BOA/Home Retention Center. They all refused to speak with my professional real estate broker. After exhausting that process, I qualified for a Deed in Lieu of Foreclosure. After nine months of jumping through their hoops, and reaching the final phase, I was informed that I was declined due to damage in the home that needed repairs.

The home has been locked, the money is still in the hands of BOA, I can not get insurance on the house, they dropped the ball on the short sale and declined me on the deed in lieu. I am exhausted and completely disgusted with corporations and the mortgage process. If I had allowed the home to go to foreclosure several years ago, I would have been awarded thousands in the recent BOA suit forced by the FTC for unfair mortgage practices. I need a solution. I deserve a solution and some help with this torpid and tedious process that I have endured of the last four years due to a lack of compassion and respect from these banks. I am prepared to take legal action.

I had never been told that the HOA insurance information would be critical criteria for qualifying for the loan. If that is so, my loan process should have not proceeded as far along as it did. After three attempts to reach BOA, I was called back on Friday by Mr. ** to state BOA does not want to refund the appraisal fee as these types of decisions are in the normal course of doing business. My request was simply to be refunded the $455 charged for the appraisal.

He provided everything they requested, and 2 weeks before house was to close, they told him they needed hand written letters from the people that had put liens on the property i.e. HOA, Water, Utilities. So he went to each company and of course was turned down. Each lien had been filed with dollar amount. It seem from February to April every time house was to close they came up with something else.. They let my ex husband live on the property from July 2010 to his death February 2013 without paying a penny. The mortgage is $127,000, buyer was to pay $128,000. There is about 30k in back mortgage they are trying to get from me also.

I am in finance. What creditable financial institution would not want their money? Something is fishy. I finally told them foreclose, I tried to do right thing. So now they are reporting to credit bureau and updating the delinquencies. That house could have been sold. I have nowhere to turn. I have a court order from a judge, the house was given to him and any fiduciary responsibilities. Is the bank getting assistance from the government for every foreclosure? If so why sell? In the meantime, the mortgage payments keep accumulating. What kind of scam are they running?

I am finally free of an abusive husband. I am 55 yrs old starting over like a 20 yr old. My emotional state couldn't take this crap anymore. How long will they take to foreclose, another 2 yrs so they can accumulate another 20k to the pot? Who monitors this crooked bank? I now return all their mail with deceased and returned to sender. Is there anything I can do?

After 2 months passed we are told that the attorney that had drawn up the papers for DIL no longer worked for them and they would have to retain another attorney to redraw up those papers. Another month passed and we receive a letter in the mail saying the DIL was cancelled saying we were non compliant. They have left us in limbo ever since. Banging our credit every month for non payment now going on 4 years. No one we talk to at BOA will give us any answers as to what their intentions are. We are told that our account is in limbo. Not going to foreclosure as we have begged them to do so we can start over.

I am at a less than 74% LTV on my mortgage. BOA form reads,"If your property has lost value and your loan is between 2-5 years you can be eligible to have PMI cancelled." I openly agree the value of my home has dropped! I have never been late on a payment and always pay extra every month.. SO what is the problem BOA? Suzanne says wait at least ANOTHER 30 days so they can send me the same letter? I have 4 copies already. Suzanne also stated that BOA does not have to remove the PMI period. Not according to what my loan papers states... PMI must be dropped automatically at 78%. Suzanne says I should spend another $400.00+ (for an appraisal) to tell BOA what we both already know, my home value has dropped.

My loan papers state I am not a high risk client and I just want a HONEST answer. Suzanne's Supervisor Jose ** (Fort Worth office) doesn't feel the need to have to explain it to me. I don't matter. If BOA's greed is all that matters, then someone be a GROWNUP and tell me! Suzanne, while respectful contradicted herself several times. I have been in the restaurant business for 35+ years and I am very familiar with unhappy guests. I try to satisfy all of them, even when I have to respectfully say no. When a guest needs to speak to my superior, I make sure they talk to them! Perhaps BOA is so big that 1 good customer doesn't matter in the scheme of things. I tell my staff that 1 unhappy guest will tell at least 10 people.. With social media that could mean thousands.

I suggest that Jose "man up" and give me a call. A little honesty goes a long way for me . BOA has an opportunity to really take care of their "Guest"... I would think you would want to keep a Great customer! I would prefer not to refinance with another lender but will if need be. If BOA chooses to lose me as a customer (mortgage, credit cards, etc.), I will gladly and happily repeat my story to whoever wants to hear it for the remaining years of my life. Unsatisfied in Illinois...

You would think it would be at the same place you paid your payments for the modification by phone. I spent a week being passed around and finally got a customer service rep to take the escrow payment with my other payments. I have a copy of the electronic check stating it was for escrow. I called Bank of America weekly to get a status on the modification once all my payments were made early and got the run around. I was finally told after 2 months in April they had rejected my case because I reversed one of my payments.

The reversal was BOA reversing my escrow payment and putting that money towards the delinquent principle and interest. After being passed around and around again, I got the payment put back in escrow and they said they would proceed with my modification. By the end of May 2011, after repeatedly begging them to finalize it and getting nowhere, I gave up. I was laid off in June and since I had gotten a letter in December 2010 stating they would foreclose on December 31, 2010 I move out of the home.

I did not hear from BOA until May of 2012 with a package saying, "Congratulations you have made all of your payments on time and your modification has been approved!" I had not made a payment in a year and all of the information on the final modification reflected out dated information from a year ago. Needless to say, I didn't sign the documents. I didn't want to take the chance on signing it and moving back to my home for them to figure out their mistake and take my home anyway. I was defeated and tired.

I started this process because my husband had died. I was to the point I didn't have any fight left. After not signing the paperwork it was another year before they contacted me again. And I told them everything I just said here. Since then I have been contacted about once every month or so and I go through the same story over and over. They send me letters constantly changing my customer relationship manager. Once I filed my first complaint with the consumer financial protection bureau (CFPB) in January 2014 trying to get them to foreclose, they started changing my customer relationship manager every week and sometimes twice a week.

Every time they call me, I went through the same story and tell them I am no longer interested in the modification because I already tried and they dropped the ball. I tell them over and over to foreclose and they keep dragging it out. I made another complaint with the CFPB in March 2014 and they called me the same day wanting me to do a modification. And of course, I went through the same story and told them not to call me again unless it was from the foreclosure department.

Well I just got a letter from them today saying that I was unwilling to work with them and "it is not possible to opt out of home retention assistance to force foreclosure!!!" I really think I went above and beyond trying to get help. How much does a homeowner have to go through because a big bank can do anything they want and get away with it? My only option now is to go to an attorney which if I could afford that I would still have my home!!! !

She told me that she would increase my interest to 5% more if she does not have the cosigner's paperwork by March 30th. Moreover, I told her if it is possible to use my other friend as my new cosigner? She told me NO and that would be possible if I apply for a new loan in another bank. How rude! Which is very different from what they told me a year ago? She is very rude to me and my accountant. I don't appreciate this kind of employee.

2 years later after countless analysts reassigned my note, I was foreclosed on. When they sold the house at the courthouse I was not informed. No ad was placed in any paper or magazine. Only individual who showed for the auction was an investment corporation. And to our dismay it was removed from the docket. Called Bank of America’s lawyer firm and they did not have any information because Bank of America would not even talk to their own lawyer firm. Kept tracking the sale why? Because I was informed that my credit was ruined due not only because of the foreclosure but I owed over $500,000 on the note with $3000 per month payments. Absolutely not the truth.

My home was sold for $136000 or there about and no auction was ever held. I was and am part of national law suits and have been awarded to cash settlements for their fraudulent actions. Worst part is my credit scores have fallen and ruined any chance of me getting a loan. Bonding agency canceled my bond, car insurance doubled and my credit card plummeted to a meager amount, and they doubled my interest rate. Absolutely devastated me - ruined me. Question is how do I repair my credit rating? How do I refinance my existing home which then was a rental? I’m at 8% all interest note. Bank of America sold my note on the rental to BAC Homes which they own purchased it back and then sold it to Nationstar mortgage whom now refuses to refinance at a lower existing rate of 3.5 or 4% interest.

8% is killing me and in 2 yrs of negotiating with Nationstar, I am now informed they will not deal with me due to cease and decease. Why does Bank of America come up when I punch in Nationstar Mortgage? Does Bank of America own Nationstar Mortgage as they own BAC Homes and is washing their notes???? Anyone know or have suggestions on how I can improve my credit score with foreclosure on my credit history? Caused solely by Bank of America’s proven fraudulent actions???

As result, my credits were affected big time and BoA couldn't do anything about it. What's worst, when I received my Form 1098 at the end of January, I found out that BoA post modification department that closed my loan modification messed out all the numbers. Basically they put ZERO in box 1 which means no interests were collected in 2013 (keep in mind I NEVER missed a payment during the loan mod process or even before) and they put $31000 in box 3 of the form 1098 which is now considered as income and therefore I have to pay taxes on it, about $10000.

I've been fighting with different departments of BoA to fix this issue and got nowhere, again I was bounced back and forth from one dept to another without any resolution. So the bottom line, my credits are now bad and I have to come up with $10000 to save $50 a month. Does this make sense to anybody? I need to save the $50 for the next 16 years to be able to pay the $10000... Go figure! The loan mod is supposed to help me not break me.

This whole modification process is a SCAM with no end in sight. They will foreclose on my property just because they can and that is what this bank does to people who have fallen on hard times and are trying to keep a roof over their children's heads. They are fooling the federal government into acquiring funding to help keep people in their homes but all the while filling their pockets with bonus monies and teaching their employees to lie to the unsuspecting. I gave these people 12.5 years of service as an employee and this is what I get; a bunch of lies.

To everyone who think they will be granted a modification, stop believing it! It will no happen. They deny me over and over for the same reason: You did not send in the paperwork requested, or we never received it, you failed to respond in the proper amount of time, when all the while I respond by Federal Express in the packages they provide for me> WOW!!! A bunch of crooks who will have many properties on their hands to sell at little or nothing costs rather than keep honest people living in homes they have lived in for twenty or more years.

Shortly after that, I noticed that the payments were not being posted to my account. My monthly statements would show that I was past due, but then would show a MISC posting for the same amounts. Again I made several attempts to call "G" and when I finally reached her, she advised that the government was still revamping the process and when they were finished, it would all be corrected. Then one day, I received a huge packet in the mail advising me how to handle the foreclosure process. What the heck???

I called "G" again since her name was at the bottom of the letter and she advised that they knew that I was paying and to ignore it because their system generates it automatically. At this point I was very frustrated and went to my local BOA branch to speak to someone about it. Even though they did not service home loans there, they felt sorry for me and tried to assist. They tried to find out what was going on with my mortgage and got the same run-around that I always got, then was eventually directed back to "G", who was not available. No surprise.

A couple of days after that, I received ANOTHER loan modification document via Fed-Ex. Thinking that this is what I needed to do to get them to start posting my payments, I agreed to it and returned it... even though it had a $4,423.51 forbearance due after my house was paid. I don't know why I got it. I didn't want or need this new modification and I didn't understand why I should have to pay this since I hadn't missed any payments. This still did not solve my problem. I sent them every bank statement showing that I had never missed a payment, and actually paid a little more. They were still not posting my payments.

I finally had to get the State Attorney General involved. Finally, in the Fall of 2013 (yes - 2 years later) they started posting my payments. MY PROBLEMS DID NOT STOP THERE - In 2012 I received my tax form stating that I had paid $10,000+ in interest and I filed my taxes. In Dec of 2013, the IRS sent me a letter stating that they received information that I only paid $4,000+ in interest and now I owe them money. I do not recall receiving a revised form or I would have handled the issue at that time. How could they be off by more than $6,000???

Again, in 2013 I received my tax form for 2012 - this time I paid $8,000+ in interest...or did I? In November of 2013, I received a revised form and a check for $50 to refile my taxes because now I paid $10,000+. Huh? Now I'm anxious to see what they show I paid for 2013. Lo and behold, I get my form in January for 2013 and now I have only paid $1,000. Again, how can it be so far off? Still waiting for the updated form. Back to my mortgage - I am now trying to refinance to get a lower interest rate and am being told that I owe the $4,423.51 forbearance. I have been trying to find out why they think I owe this when I have made all my payments.

I know it has to be because they were not posting my payments and their system showed I was behind. They have been so ridiculously difficult to deal with. No one can answer any of my questions and no department seems to have the ability or authority to research and fix it. I am 3 years into this modification and it is so messed up. Their Customer Service dept will tell me they are escalating the issue, then I never hear back. I call back again and another agent says it was never escalated. They pass me off from department to department and no one can or will help. I have the State Attorney General's office involved again. I will go to my local news stations if necessary. If I can't get it fixed, then maybe I can at least persuade others to use another lender.

I then received a phone call from Ms. ** stating that they would not do a loan modification with no explanation as to why. I sent a Qualified Written Request to BoFA and was sent a bunch of documents and a payoff letter. I was then sent a letter stating that they had sold my servicing to Nationstar effective September 1, 2013. Right after this I received another modification packet in the mail from them. Why I don't know, if they had already sold my mortgage why would I get a modification packet from them. I sent several Qualified Written request to Nationstar and they have denied me any information regarding who owns my loan and any hard copies of documents proving this. I now have a letter stating they are going to start foreclosure on me.

When I originally started my job, as I said, "It was a hard job to learn," but I weathered the storm. We had a lot of work and between training and getting used to the work myself and my other contract worker stayed busy. The work took us through all of last year and kept up steady through most of 2013. However, towards the end of 2013, the work started slowing down and with not as much work to do, overtime vanished which was something I was very accustomed to. If you go back through my employment records you will see, I worked a great deal of overtime. Just a couple of weeks ago when we had the bad weather and missed two days out of work, I made up my time by working twelve hours that Saturday and three hours that Sunday just to make up my hours. I took my job seriously and took pride in my work. As a matter of, Laurence should remember the conversation we had about that subject. I told him, "I treat every loan I work on like it's a family member."

To get back to the subject I am emailing you about, again I was let go not because of job performance but because of sheer discrimination and a personal vendetta by Josh **. If I had been let go for my job performance or the fact, we were so slow "ALL" the temps were let go, I would not have a problem with my being let go but I know that that isn't the case. For example, there are two temps who came in after me, Rebecca ** and Nikki **, both of who work for the same temp company as myself, Rose International. Neither of these females knows how to close FHA HAMP, FHA NON HAMP nor EHUDs, only myself and another co worker, Quintin, another temp and I were the only two closing the loans. By the time I left BofA, I could close all types of loans and do them efficiently.

Getting back to Nikki and Rebecca, who both go to the University of Phoenix, with him, he showed much favoritism starting with their pay. Another associate came in with those two by the name of Lee **, who also came from Rose International, she recently left to start a new job but before leaving, and from another associate on the team, the three freely discussed their pay. They came in making $19.00 an hour to everyone else's $17.00 an hour. When another associate was told this, they eventually came and told me. She could not understand with all the work Quintin and I were doing how these three with less experience and less work could be getting paid $2.00 more than myself and Quintin. Even before the difference in pay was brought to my attention, I had asked my then manager, Callie at my 1-on-1, about a raise. The conversation came at the end of last year and she said, "I should put in for one and to ask Josh," I went and talked to Josh and he said he would check into it. He never got back to me, even though I reached out to him about it twice through emails.

I am 53 years old and have been working since I was 14, and in all of those years of working including in the entertainment industry of radio, I have never worked for a supervisor that was more unprofessional or let unprofessional things go on as Josh **. Recently, Dan ** came into our office for a visit, immediately Josh told everyone to put away our cell phones and not eat at our desk. Under Josh, not only could we use our cell phones at our desk, people watched movies and videos at their desk daily. I never understood how you could watch movies and TV shows when you were suppose to concentrating on your work. Listening to music is one thing, I did that but to watch two hour movies or TV shows, I couldn't comprehend that.

Next, the paper fights were done on a regular basis with or without Josh. This occurred when Callie was my direct manager and it consisted of balling up clean sheets of paper and throwing them over and around the cubicles by team members.and hitting each other. It wasn't done a lot during the time we were really busy and had work to do but at the end of December 2013, to until Callie left on February 7th, 2014, there was a LOT of paper wasted. Speaking of paper wasted, there was the Carolina Panthers "great" paper waste where during the Carolina Panthers' playoff run, hundreds of colored copies were made of Panther players, the stadium and anything Carolina Panthers and posted from one end of our area to the other. It was ridiculous all the paper that was wasted and it was even worst in Josh's office. He was mad but still didn't hold the two team members who stayed after work and ran off the copies. One member was a temp and he's gone. The other one is still there and is a full time permanent associate who on some weekends would come in and, not work OT but get paid for it, and spend her time making copies of personal documents.

During the months of January on into February, well, the week Callie left, board games were brought in and played during working hours. Josh participated in playing these games and if he wasn't playing, he and Callie both knew they were being played. As a matter of fact, on February 6th, 2014, a board game was played the entire afternoon after lunch by a good many associates. Quintin and I had just had about maybe 50 to 60 loans dropped to us in an email ad I was very happy to have some work. Josh was playing the game and when I asked for help on a loan I was working, he got mad he had to stop the game while I needed assistance. I couldn't believe it. I mean the same loans you guys were breathing down our necks asking why they were in the red were the same loans that could have been ignored if I would have been playing board games and throwing paper with co-workers! Those loans weren't important to Josh until you made them important to Josh.

Moving on, a couple of weeks before Callie left, the Escalations team was told by Josh, "We were back to unlimited overtime." Whether we had work or not, we could come in and he stated that exact fact for "Super Saturday" for the first Saturday in February. He told my team, "We could come in and get paid OT for doing nothing." His pretty much exact words were, "You can come in and make money even though we have no work."

Getting back to Nikki, she goes to school with Josh and is also his friend. I guess due to that relationship, she feels or he has made her feel, she is on a different level than the other associates. She takes long breaks and when her team lead Tiffany ** brought it to the attention of Josh, instead of taking her and the others who were taking long breakfast breaks in the morning, he simply told them at school where he shared all the office information. In other words, whatever you went to Josh and told in a professional setting he went back and told in class.

I feel if the public were made aware of what goes on or doesn't go on with their loans, they'd be outraged as well as they should. Under Josh's leadership or lack thereof, work wasn't getting done and at the end of the day, the borrowers were the ones to suffer. I was in the gym one day getting ready to workout and saw a story on a couple suing BofA because they felt they were being strung along. I knew how they felt because I know from not only working on the closing side but on the front end side, how many balls have been dropped. Customers deserve better than the crap they're getting from that department. You had people on my team working that had been there for years that couldn't help you if you had a question. They'd give you wrong answers and when I finally caught on to it, I went to Callie, who gave me the names of people to ask. She said I was to only go to Misty my TL, Simeon or Charee. Mind you, there were more people than those three in my department.

Speaking of Misty **, she was truly the only person that was always a professional, always helpful and never, ever got rattled when you asked her questions. She always helped me and Quintin get through the loans and always made herself available to help us. If she were busy, she would assist us, if we still needed her, always. She truly made working in that environment tolerable. Charee was also another one, who was always helpful and never minded helping you. I was surprised she wasn't a team lead or manager.

I will give you time to look into this matter but if nothing changes, I will go to the media about what I witnessed on a "DAILY basis" in my department and let the public decide. I not only write blogs myself on a variety of subjects but I also have friends who are news anchors and reporter for the Charlotte Observer who would love to get a hold of this, along with the business journal. I believe for standing up for what is right and a matter of fact, I had was planning on emailing Laurence about all of this. When he visited last year, I tried to let him know of the things that were going on. One of the things I said was, "Callie needs to get up and walk around more." Why? Because people in that department came in whenever they felt like it with no repercussions at all. It got so bad, that after the holidays, she told the team, "they could no longer have their mocks in Offline." As soon as they came in they were to be Available. Josh nor Callie ran that department, the associates ran it because most of them did what they wanted. Whether it was long lunches, long smoke breaks, or coming in late, they knew there would be nothing said.

I was thankful to have a job and did my job to the best of my ability. My background isn't in banking but due to being laid off, I had to explore other avenues. I'm proud what I have learned. I have a clear conscience and am telling the truth about the things that went on in my department. I am emailing you first in hopes you'll rectify this situation meaning whether my job is restored that isn't the issue. What is the issue, the Bank of America mortgage borrowers not getting 100% good customer service.

Received a phone call in late October from a Kim from NACA. Was told I never sent documents. Dealing with my medical condition at that time, I was distraught and became very ill again. My modification was never ever granted, but I received hundreds of denials. But BOA rep Sam ** states that they are still working on my modification and now they are asking me to submit all the documents over again and again and it's getting very frustrating. I have mental anguish as well with the heart palpitations .

I have not given up. I have been submitting documents over and over I just don't know what to do. I am really not in the rear. I was requesting since my income was reduced due to my disability. Can I seek assistance for a modification? l guess that will never happen if God did not watch over me from those???? I probably would of lost something I treasure and value dear to my heart. I worked very hard for my property.

So 2 ½ years Later in FEB 2013, they gave me a modification higher than I WAS ORIGINALLY PAYING THRU Taylor Bean and Whitaker!!! In AUG 2013, they said I owe them an additional 3000.00 to bring my account up to Date because of an error they made the year before applying the payments. So I sent in the 3000.00 they requested. I fell behind 1 payment because of this error… but now the nightmare is worse!! In 2012 they sent me my 1098, we did our taxes. After sending out taxes to the IRS, I receive a corrected 1098. So we go back to the accountant to have our taxes amended! We thought that was the end of that?? OH NO!!!

We just went to the accountant, well this time our 1098 for 2013 says ZERO % interest paid in 2013!! I call BOA they say oh yes it was an error, but we won’t fix it until 2015! So in the meantime, I will owe the IRS about 4000.00 because a mistake BOA can’t fix?? How does a bank that big make such mistakes and can’t fix them? So I will just go into foreclosure then? Because I can’t pay the IRS 4000.00 and keep up with my mortgage? What can I do?

They were ALL filthy liars!!! AT one point, I got laid off from my job, was collecting unemployment, and was told I didn't have enough income to qualify. When I returned to work, I then contacted them again and was told I had too much income to qualify!!! I finally contacted my senator with the problem, he contacted BoA, and they assured him everything was on track. The next contact I had with BoA was when they informed me that my mortgage was sold to Nationstar, the ultimate criminal mortgage company!!! Brian Moynihan, the CEO of Bank of America, is a crooked, criminal, JERK and I hope, he ends up in PRISON, FOR LIFE!!! Boycott Bank of America, please, everyone, they are disorganized crime in disguise. ** YOU BoA!!!

Well, I lost my home but not before I contacted BOA to advise them I have in my possession three documents - HUD-1 (original), Deed of Trust, and another that have notarized forged signatures. I was told by a BOA investigator that all the signatures match and they have a Power of Attorney. When I explained I never signed a POA and asked if it was the same notary as on my other documents, she stated she could not tell me that information or send a copy as the documents are property of BOA.

I am saddened that after 13+ years of NEVER a late mortgage payment, I lost my home that I was so proud of as a single mother achieving this on her own! Bank of America, the Title company, the Substitute Trustee all were wrong in proceeding with the foreclosure! I was working with counsel who was furious that the forgeries are so obvious and they went forward anyways, but unfortunately he passed away suddenly of a heart-attack. I have had to put this on the back-burner as I had a family emergency arise and that took priority. Everyone please check your documents for forgeries. I will update you as soon as I find counsel and go to Court. Good luck and BEWARE!!

In March 2013, I received a call from a Bank of America CRM who said the loan was in review with the underwriter and nothing was needed at his time. I was trying to figure out how they could have the loan in review with paperwork from over a year before? Then, I got a denial letter that was bogus. Since March 2013, until now, I have received the runaround on every possible option for a modification (missing paperwork, inaccurate statements on denial letters, escalation to the Office of the CEO and then no response, etc...). Complaints have been filed with the Consumer Financial Protection Bureau, the state Attorney General office, the US State Senator and in midst of this bank has confirmed their own denial letters were errors.

Then, late last summer, I started getting brown envelopes (with hand completed inserts) on my door every month saying to call Bank of America; it turns out the Collections Dept has my loan on a cycle with their vendor Safeguard Properties to leave these notices, which violate the Chapter 7 Discharge. When I brought this to the bank's attention and filed a complaint through the CFPB, the CRM called me to state they have the right to enforce the lien and I agreed, but as I was explaining the bank can't attempt to collect on the discharged debt as it violates the court, I was hung up on. I voiced my concern and was immediately reassigned to another CRM.

In the meantime, I hired a Real Estate attorney, after the bank agreed to do an In-House modification or do Cash for Keys with a Short Sale or Deed in Lieu; it has been touch and go with the attorney; I really could have continued to work directly with the bank myself (I seem to know more than the attorney). However, the bank is trying to push me to do a Short Sale on their Jan 31, 2014 Short Sale Approval letter, which in turn; they claimed I do not have qualifying continuous income for any of the FHA programs. I pulled the FHA guidelines and it says that SSDI is qualifying continuous income.

My letter for Reconsideration was sent and the bank asked for updated income information (the modification financials were just updated in late Dec 2013); I presented the SSDI 2014 statement for the attorney to send to the bank and I was told the bank will not approve the modification? I was so confused. I sent the statement to the bank anyway along with the FHA document. The bank is saying on paper I don't qualify, but every time I research I find their denials are flawed. If I truly don't qualify, I would like an honest letter explaining why and I can accept that and move on to the next phase. So far everything has been deception and lies.

BoA waited 24 months to file the foreclosure complaint. My local court denied my motion for extra time to answer the complaint which made me default into foreclosure. In the meantime, I began researching foreclosures and discovered the widespread and blatant use of fraudulently manufactured documents that banks like BoA entered into evidence to steal my home. Since the Chapter 13 has blocked BoA from taking my house for the time being, I am actively pursuing litigation to hold BoA and the law firm that helped manufacture - and ultimately submit the bogus documents to court - accountable for foreclosure fraud, fraud on the court, perjury, mail fraud, and other charges.

The documents that BoA, their legal representatives, and other banks have faked are: the mortgage, the assignment of mortgage, the note, the allonge to the note, and the affidavit of debt. There are also multiple lies in the foreclosure complaint that were easily disputed. If you are having any problems getting a modification or they are in the foreclosure process, please look at your documents and see if BoA has used fraudulent papers to steal your monthly loan payments and your home. The research is simple and inexpensive compared to losing your home. Just Google "foreclosure fraud" or search the same on YouTube.

I then start the process of modification and have been given the run around for years!!! So many case managers I can't even remember. They constantly switch them... So much paperwork (mostly the same over and over again) faxed and mailed! Denial letters then letters to start all over again!! The last time denial was I was not far enough behind! I was 2-3 months behind!!! I am now about 4 behind and was told to redo again based on change in circumstance but now cannot get a hold of ANYONE!! I get some voicemail box and no one returns calls!!!! I am now getting foreclosure letters with numbers to call and no one answers!!! I have really TRIED my best but I am so frustrated and don't believe anything this crooked bank says!! I think they really do want people to give up but I will not!!! I'm gonna go see an attorney and see what can be done! Somebody needs to stop this nonsense!!

The first time I got the package it did have the affect I'm sure they were looking for - it scared me. But then I got snooping around on the internet, because I'm like can they really foreclose on us for being 15 days past the due date? Luckily I found this site and read all of these modification horror stories, so I did not respond nor did I answer their phone calls.

I am happy to report we were able to turn it around and get our payment made on Feb 1st, so we are not late. The phone calls have stopped and no more FedEx packages! I just wanted to thank the people who posted their BOA issues here. I wanted you to know your warnings have been heard and I heeded those warnings! I would also ask if it is at all possible - don't get behind on your mortgage!! It sounds like a nightmare!!

However, I cannot refinance something that is not on my credit report not even Bank of America. I have filed a complaint with the consumersfinacials.gov in May 2013 and had multiple contacts from the BOA CEO's office. They stopped making contact and my credit report is still not showing my first mortgage. I am not sure which attorney to contact that might have experience with this type of issue. If anyone has had similar experiences, please let me know if you found a way to resolve it.

Our issue is that we pay $456 a month in PMI while only $80 a month goes to our principal. We have currently paid them 40,000 in six years for PMI. They will accumulate 98,000 before PMI is gone. At that point our mortgage will still be at 100,000. They state they don't want anyone to lose their home and also state there is no contract just a certificate page we receive for PMI. I am unsure how any money can come out of my loan without a contract stating the terms, rate and length. It's ridiculous, we will never ever be able to fully afford to pay this mortgage off with that PMI.

So far, through FB I have gotten in contact with Radian, they think that amount is right. Yet when I state that according to the federal guidelines it's wrong they say it isn't. The issue with this large amount in their hands already means one thing. They hope you foreclose. They have a third of the payoff already. It's pathetic and although it's BOA and Radian, it's a Freddi and Fanny loan. Our government that don't know anything for details. What happen to consumer rights and protection? In order to fight them an attorney wants $4,000 down. Really.

The Problem showed up as an unexpected tax bill of 3600 dollars. No problem right? We'll the red tape and the spin job I got from the town, realtors, lawyers and the banks, lead me to the Make Home Affordable Con Job. I filed a CT Dept of Banking complaint against BoA, for mortgage fraud, racketeering and mismanagement of my mortgage account. Hopefully something right & just will come out of it. But I have my doubts, You see it is too late, my life is ruined, so even if I were offered $5,000,000 in damages for duress, it wouldn't amount to anything because everything that mattered to me is no longer here.

So if you’re looking to buy a home, buy something cheap, say 3,000 or maybe 20,000. Don’t borrow. If you do then just buy an ink stamp kit that has a "SUCKER" stencil and stamp your forehead with ink. Maybe even mirror image it, so when you look in the mirror you can’t remind yourself how stupid you are to think, our government, our banks, our lawyers, our realtors, our, home inspectors, our governors, our mayors, are looking out for you. They are not. They look out for themselves, and so should you, for yourself.

They haven’t since 1913. So before you buy kick yourself in the face, and wake up and ask people in your community what they think of owning a home, not the people who are we'll off or making it. Ask the people who lost because they trusted something that is made up of greed, and lies. Save your money, live in your car if you have to, ad save to pay cash for something, because even after that these evil wrongdoers will tax you right out of everything you think you own. God bless, may you never travel on the road that I have for the last 6 years. I have lost my mind, my soul, my heart, and my life. Walk slowly, trust no one, only yourself. Your self-awareness will tell you what is best for you. Don’t be fooled as I have been, and so many other kind, trusting people who were nothing short of taken advantage of.

April 2012 - $1.00 balance showing for mortgage when I accessed my online banking. I attempted to pay this $1.00 but I wasn't able to. I'm assuming that because the account was supposed to be closed therefore it wouldn't allow me to access it.

May 2012 Dennis ** went into the Tempe Branch of Bank of America and made the payment. At that time they took copies of the short sale paperwork in order to forward it with the $1.00. After weeks this $1.00 still did not show paid so Dennis again went in to the branch in Tempe and they sent a copy of his check as well as supporting documentation to inquire as to why the $1.00 was still showing on the loan.

June 2012, finally in frustration for having not seen this $1.00 reflecting that it was paid, I posted a comment on the bank's Facebook page. Within 24 hours I received a phone from the Social Media Department for Bank of America inquiring about the issue. They put me in contact with a Frankie ** who was to research and correct this issue. After a number of conversations Frankie determined that we were correct and that the $1.00 was the bank's error. She informed us that this $1.00 would be credited and that the loan would show the actual payoff date of February 2012.

January 2014 I am attempting to purchase a home in my own name. I had no reason to think that this $1.00 was not correctly applied and that the closing date was not reflecting February 2012. My mortgage company's credit checker called me Friday, February 10, 2012 in order to have me take part in a three way call with Bank of America. From what I was now being told, there was a discrepancy in the timeline for the loan. While I was taking part in this conversation I first learned that the loan shows a payoff date of August 2012 rather than the February 2012 date. I look as though I attempted to deceive my potential creditor because Bank of America apparently did not follow through on their end of this.

At the point that Frankie ** concluded that this was their error and would be corrected. She provided us with the transcripts of the emails between she and us and I am in possession of a copy of the receipt reflecting that this $1.00 was in fact paid in a branch. When I learned that Bank of America had apparently not followed through on their promises I attempted to contact Ms. ** via her email. Apparently, she is no longer working in that department because her e-mail bounced back. I called the bank's short sale department and explained the problem to them and was told that they would open a research file on this and it would be 48 business hours before I would receive a response. I asked if I could speak with a supervisor and was told that the supervisor would do not more than they had done by opening this research file. It would still be a 48 business hour turnaround.

I also offered to go to Office Max and have all of my paperwork scanned and sent to Bank of America to speed things up but I was told that they couldn't do that. On Tuesday I received an email from a Charles ** with Bank of America's short sale department. The email states that I need to send a copy of my merged credit report to him and he would correct the payoff date. I contacted my mortgage company and they provided me with a merged credit report which I promptly e-mailed to Mr. **. I requested Mr. ** advise me when this was received. This was January 14th 2014. I have received no further correspondence from Mr. ** or anyone else at Bank of America as of 10:45 am on January 17, 2014. I contacted Bank of Americas short sale department again today and spoke with Angela. She wouldn't put me in touch with Mr. ** but would contact him internally to verify that he received the merged credit report that he needed.

I am attempting to purchase a home and because of this issue with Bank of America I look as though I deceived my potential mortgage company. Should, after all of this, I get approved for my mortgage it will be another month minimum which means I will be paying another month's rent of $1320.00. In my lifetime I never expected to be in this position but the home that we went through the short sale on was purchased by my brother and myself. He lost his hours and ultimately was laid off and when we contacted Bank of America in an effort to talk about a loan modification to get our interest rate more affordable we were told that we could either apply another $40,00.00 to the loan or just not make our payments for a few months and then they would take another look at assisting us with a short sale. After struggling to make the payments on my income we finally listed the home in November 2011 and made the final payment in October 2011. The short sale was finalized on February 17, 2012. Or so we thought.

With mounting arrears, BOA transfer loan to Nationstar Oct 12. To Freddie Mac the investor and Nationstar, I have not been able to meet up on two earlier modification hence my house must be foreclosed. Why would the investor not approve my first modification and why should BOA offer an unemployed person a second mod with higher monthly payment and how do I know something went wrong?

I engaged BOA CEO's office with letters and in a reply to one of my letters in Feb 13, they told me that I did not send the right modification agreement on the first modification and enclosed what they have in their system. Alas, they have scanned legal size documents into their system like a letter size thereby cutting off some paragraphs and send it to investor who, rightly, denied the first mod. How do I know? They send two original mod agreement to be signed, notarized and send it back in a prepaid envelope. I did. But BOA scanned it wrongly.

My house is not under water and my income can support my mortgage and is still not under water after many years. I was unemployed for two years with no unemployment benefits. BOA claimed that they have transferred my file to another servicer and have nothing to do with it. Freddie Mac & Nationstar claimed that I have not performed under two earlier mod so my house must be sold. Is there any help for me? Or better still any idea/suggestion from anyone?