Bank of America Mortgage Reviews

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?

My husband told her to forget the whole thing, we will pay until we can't and then they can foreclose on our house. We have been here since 2005 (we have 2 special needs children and my husband is disabled also). Monique's reply to my husband was, "Are you sure you want to stop?" He said YES. We figured that would be the end of everything. Of course not. Starting on DEC 23rd we started receiving auto phone calls saying our paperwork was in review. Twice a week since the 23rd. Move forward to today(Jan 14th), Monique calls again to tell my husband we need to send this paperwork to her. Yet again only for my husband to tell her to Stop. We are no longer interested.

What is the problem with this bank? First they can't seem to keep hold of paperwork that has been sent numerous time, then send phone calls saying everything is good then to call and say "we need more" only to be told to stop the process (which they win) just to keep calling. When does it become harassment. Or are their reps just incompetent?

This forum is for problems with this bank. They claim they want to resolve these issues but yet nothing is being done to rectify the problems. I am not sure who is more crooked and dirty, the Politicians or Bank of America. As for the consequences NOTHING, they don't have consequences for their actions. Fortunately there are so many people that are being raked over the coals by this institute. And no one is willing to step in and put a stop to this corrupt practice.

August 3 called to make a payment and speak with them about the modification issue, the person I spoke with then reveals to me they tried to call my old number to send out a mobile notary to resolve the issue but July 28 we got new phone numbers. This was very frustrating why could they not contact me by mail or email at least try to get a hold of me someway. Spoke to the person now they declined all paperwork done before and nothing can be done. I tried to appeal their decision and waited and waited two weeks, denied appeal. I was then told I have to re-file, frustrated but willing to do what needs to be done, oh by the way instead of only being a month behind now we're reviving letters that we are 8 months behind on our mortgage and if we don't pay our house will go into foreclosure.

I've called the state, they say nothing can be done and called hope help line and they've helped but very nice people got on the phone with hope help and BOA found out my file was in the office of the CEO but got nowhere. Once again refiled and here it is Jan 2014 every time I call my paper work is sitting there all forms complete and they keep telling me they don't understand why my paperwork isn't going anywhere. I've had to hire a attorney to refile for a third time but when I spoke to the attorney today I was told BOA didn't even say that I applied a second time and they have no file of filing twice. What a hassle, never thought one month being behind would turn into attorneys fee and 10,000 being behind. Thanks BOA for picking up my mortgage from another lender going under 2 months after owning our home.

To make a Very long story short, I have absolutely been in Mortgage Hell for 3 years now. They have ignored my request for the HAMP over and over again. They have lost my p work and documents so many times. They threaten foreclosure, and want me to sell or pay everything I owe + late fees and penalties. To make matters worse, I told them in my Hardship letter, I have joint custody of my 21-yr-old son with Autism who has to have a fenced yard when he visits me. I can not live in a apartment. Now you would think that they would do the FHA HAMP for him if not for me. They are telling me to do a Deed-in-Lieu of Foreclosure or they will Foreclose very soon. How can these Banks be sued for $52 Billion for misconduct, avoid Prison or jail time, take the Bail out money yet treat us this way and keep on doing it over and over again.

We tried calling Brady and Jessica, only to never receive any contact from them. We didn't know what to do. It took a while until I took a day off work to track down someone who could explain what happened. It turns out that Brady was no longer with the company and there was no way to get any information. When I asked for his supervisor, that apparently was not feasible because he wasn't in the system. I went online and filed a complaint.

Weeks pass and finally, I am assigned a case number and a mysterious credit for my appraisal appeared in my bank account. I finally get a hold of the person assigned to my case to get some answers. BANK OF AMERICA ENTERED A TYPO IN THE FINAL APPLICATION AND TYPED IN AN EXTRA ZERO for our second lien, so it looked like we had a second lien for $800,000 instead of $80,000. Nobody caught this egregious error. 1) How can the second lien amount change from estimate to final by 10 fold? 2) How could the second lien be that much more than the primary lien 3) Where were all the officers and agents or their managers reviewing this and why didn't anyone raise a question when it came back not approved?

It took 3 months to get a hold of person to answer why we were denied. After getting over the shock of such a mistake, it took less than 8 hours for BofA to try and fix the situation. While we are glad we can now refinance, we had to demand a price exemption: "Give us the same deal we had before." They said this had never been done before, but I told them that they either make themselves accountable for all our lost money of being able to refinance to a lower interest rate for 8 months, or we go somewhere else. They were able to get us our previous interest rate. We still lose out on 8 months of a lower interest rate, but we can at least move forward with a better one. We are still in awe at the ineptitude and lack of management oversight.

So it was sold in November. My first payment isn't due until January 1st. My mortgage payment has already changed 3 times since being back with Bank of America. The payment was approx. $691 at Greentree, then went to $762 due January 1st at BOA, then after a escrow reevaluation they moved my payment to $852, and now that I called and complained they say that figure was wrong and it's now $781. But that's not all, my account shows that I have $400 in late fees, even though my mortgage was just transferred back to them in November and I don't have my first payment due until January 1st. I'm starting out with late fees due to my having late fees with them prior to them selling my mortgage to Greentree Financial in 2011. But when talking to them, they say they can't help what Greentree did or didn't do, but I now owe these charges again. Completely unfair to someone who has worked hard to get payments caught up and stay caught up. Its actions such as this why people can't EVER get ahead. The quicker I can get away from BOA the better off my family will be!!

I refuse to give them any more money or information because a.) they will lose it and make us resubmit b.) they will refuse it anyway c.) it is none of their business! I have told them what we can afford and we would be willing to stretch out the loan to get lower payments and they refused so they will have to foreclose on us. The bottom line is they are much better off getting their "insurance" for default loans through Fannie Mae and Freddie Mac, this is a win-win for the bank. Then they can just lie about helping people and pay off politicians. Just another day in the good ol' USA.

Every year I argue and fight with them on the insurance, they keep increasing my insurance coverage limits. They have TRIPLED the insurance coverage on me and the house isn't worth it... It's the property that has the most value. They have pushed me to a corner, I can't afford it. IS BoA in business to STEAL homes from people? IS BoA in business to do FRAUD on mortgage holders? WHY ISN'T ANYONE DOING ANYTHING TO THEM? From reading the posts on here, it's happening in all the states to everyone. WARNING - STAY AWAY FROM BoA!!! P.S. - I too am sick and tired of providing documents to them and they insist they never receive them.

Due to my own error, I just never looked at our statements, in March of 2013 I opened the statement and noticed that we were almost $9000 past due! I was floored. I called our rep, only to be told that we had a new rep and waited and waited to hear back from her. Finally I discovered that each month the difference between the $700 payment we were told to make and the $1200 payment we used to make was being put down as past due, so with all the payments they told us not to make and the $500 per month being added to it we were in the red that much money. When I asked our rep about getting off the program she told me that if we were to stop the program now we would not be eligible for a modification and would be forced into foreclosure, so we were stuck.

Fast forward a few months to Oct. 2013. Our last payment on the unemployment program was made and we sent in all the necessary paperwork to start the modification process. Our rep had changed yet again though and we were being told something different now. We called to make our payment in November only to be told that we need to talk to our rep because there was a notation on our account. Once I was able to get into contact with him he told me that we are now in foreclosure but no sale date was set at this point but the modification was in process and we should hear something soon. He said the modification doesn't stop foreclosure but it would delay it. I hung up and cried, what???

So we contacted a bankruptcy lawyer at that point. We can't lose our home. A few days ago we received 10 letters in the mail from different bankruptcy lawyers stating that our home was in foreclosure and they could help one even had a sale date of Jan 8, 2014. Imagine my surprise! I once again got on the phone and contacted our rep. Now mind you I had just talked to him 6 days prior. He told me, ever so robotically, that there is a sale date and due to a system error or something like that they were beginning to process the modifications so we should know something in a few days and he would call me?

I am shocked! I had no idea this would be so quick! I do not want to file bankruptcy but at this point I have no choice. I don't want to wait until it is too late to save my house but I do not know where to turn. I am going to call everyday this week and talk to whomever I can to get some kind of information but I am just plain scared at this point. We are both back to work and have great jobs, however; we do not have the $12,000 they are saying we owe in order to catch up and keep our house! I do not know why they won't help us stay in our home!

This has been going on since basically 2007 starting with the Countrywide fiasco and we are still in the dark and see no light at the end of the tunnel. If it's not the musical chair case managers it's the musical chair servicing centers. I know we fell behind on our payments due to Harold's back to back layoffs and hopping from $23 hour union laborer to $10 warehouse work and then I developed serious pulmonary issues and have spent the last several years in and out of the hospital. It's gone from bad to worse but I also know if we could get the HAMP modification and our payments lowered, we could get out from underneath this mess. They suggested that I contact assistance programs also but they want a copy of the mortgage and verification of mortgage... upon which when I requested such items I was told they would not give me the verification of mortgage and the copy of the mortgage given was the last couple pages with no names or address of property on it anywhere, which will not work for the assistance programs.

The current new case manager finally called yesterday to once again start the HAMP process and has demanded a walk-through for appraisal (first ever). We're scared to death as to what fresh hell that means to be brought to bear. At wits' end and at a quandary as what to do anymore. It's truly a living nightmare, I see no end.

The foreclosure letters started to arrive. In April 2009, we finally were accepted for assistance with our home loan through BOA's home modification being that we had an FHA loan. After going through all the necessary steps and procedures, we received a letter in July 2009 stating we did not qualify for a loan workout. We continued to submit applications for assistance and received a second letter August 2009 accepting us once again for assistance with our loan. November 2009, we received notice of intent to accelerate foreclosure. We had no choice but to claim chapter 7 bankruptcy in June 2010 in order to keep our home. July 2010, we hired a lawyer. From this point, after the tireless efforts of a hard working attorney and her firm, we were able to sign a modification offered by BOA where we would do a trial payment period for about three months. This process began April 15, 2011.

Bank of America claimed our forms were incorrect and sent new forms June 2011. We did everything by BOA's terms along with our lawyer's assistance and still weren't getting anywhere. Phone call after phone call. Continuous late fee letters and foreclosure letters. Our lawyer finally sent out a letter asking for finalization of our agreement December 2011. This process continued until February 2012 when we received, yet again, documents for a 'trial period' plan which we had already gone through twice before. All this was to be submitted by April 2012. Our loan changed hands several times. We couldn't keep up with who our account manager was. This has been going on since April 2012 and we have yet to receive our finalized documents. Our monthly payments were adjusted according to our modification for about a year and then the amount changed and seemed to get higher every month. We continued to pay the modification agreement amount and called relentlessly.

I can't tell you how many calls we have made, several different phone numbers and BOA agents that all agree with us and see in their system that we should be paying the modified amount. It is now November 2013 and we just received a letter from BOA stating we are late on our loan and they placed our last payment as a 'partial payment' and it was put into our principal. Back in August 2013, I spoke with one of the customer service representatives to make a payment and she said that our interest rate was entered into their system incorrectly and should take up to 90 days to correct. We have yet to see results. I can't express the frustration and stress we've gone through in the last several years. Please help us to get results so we can continue our lives burden and stress free. I hope media insight into BOA's inconsistent mortgage practices can help us and any others going through a similar situation.

If you google search Bank Of America Mortgage Fraud they clearly have some issues with their reps saying inappropriate things to Mortgage Holders. I'm going to take this as far as I can possibly go! Having worked at BofA/Merrill Lynch in the past, I know how their call centers work. They are planning on me getting irritated by the red-tape and eventually giving up. Well that's not going to happen!!!

The last review I wrote, they responded and ask what they could do for me. I told them about the gift card they promised me. Ha, have still never seen that either. That goes to show, they can break their promises, but by golly when they want something from you, you darn well better give it to them, or they are going to come after you via the courts or somehow and get what they want.

Why is nothing getting done with the unfairness to us individuals that are getting treated like we are nothing? We are hardworking individuals that are trying our hardest to keep our homes, or our situation, my husband that fought for our country, walking through that Agent Orange now is sick for the rest of his life suffering and here we are, struggling to make ends meet, paying 2 insurances (PMI, and regular home owners) on this home and they could care less. HELP!!!!!!!!!

I was contacted by a journalist who said he was writing an article about Bank of America's manner of dealing with frustrated homeowners; unfortunately, as it turns out, he only wanted experience with communication from the office of the President/CEO, which I have none. Of course, bank personnel are very loathe to put anything incriminating in writing anyway. I continue to fight to try and make them do the right thing but really don't understand their thought processes. I would imagine they have spent, and continue to spend, more on attorney's fees than the value of my mortgage. I say again, it makes no sense.

We tried to have our mortgage modified. We filled out all the needed paperwork and sent it via FedEx on July 3, 2012. Nothing. BofA claimed that they never got the paperwork and proceeded to harass my husband at work, wanting to speak to him for 30 or more minutes each time. Every time we would try to call their assigned representative, we would get a voice mail. We left message after message with the rep, her boss and her boss's boss. They would not speak to me because I was not on the mortgage (I had just paid off a bankruptcy incurred before my husband and I got married).

When my husband would finally speak to someone, he was bullied and insulted. At one point, he was advised that they needed documentation as to what we spent our money on down to the last penny. At that point, we were basically through with BofA and didn't want our house anymore. Then, we get a letter from BofA (in April, 2013) thanking us for the paperwork we sent in regarding a loan modification. In other words, they got it. They just lost track of it!!!

So... my husband contacts the new loan representative and was trying to work with her. We decided we were going to try and keep the house. We were assured that, if we couldn't get the loan modification, they would work with us on a short sale. We filled out new paperwork and waited and waited and waited. My husband tried calling the rep, several times, but no return calls. Then we get word this past August that we did not qualify for a loan modification and they were going to continue with foreclosure proceedings.

We moved out of the home within a week of getting this notice. We also found out that the house was originally supposed to go to auction in May, 2013!!! We found this out from the realtor that we worked with to get us the home we are currently renting. One other thing... in one of the phone calls made to my husband by BofA, they had given him a telephone # of the people who were supposed to be dealing with loan modifications/short sales. When he called them, he was told that he needed to speak to BofA since they don't work with BofA! Huh???? That was the ultimate straw that broke the camel's back!!

Fast forward to late September, 2013. We get an email from BofA thanking us for our recent mortgage payment. We didn't make a mortgage payment and didn't know what was going on. Last month, a representative from BofA kept trying to contact my husband but he was unavailable to take these calls. He finally calls them and tells them that we have moved out and didn't want the house any longer. He was told that an auditor went through the loan modification requests of many consumers and BofA was found guilty of not getting back to the mortgage holders in a timely manner.

Apparently, they were the ones that made the mortgage payment and we were supposed to be awarded nearly $12k. This money would have went to what was owing and would have made us paid for all of last year. They were supposed to send my husband paperwork to fill out which would have allowed us to walk away from this whole fiasco and the foreclosure proceeding would have been canceled (it was postponed last month). We were to meet with someone who would get the keys from us. As of today, we have never received any paperwork. We have heard nothing more from BofA and the house we lived in is due to go to auction in two days. All this because we fell behind one month’s payment and BofA didn't care to help. We've had many friends who have had the same, or similar, situations occur with their BofA mortgages.

I have been current almost every month since. Even though it's a struggle because I am still not employed and not on unemployment. Today I received a call from some idiot customer service representative that I owe some late fee for 2011. WHAT 2011??? Then he goes on to add that I owe 17.50 for a property inspection fee. "What is that?" I asked. He said, "When you defaulted on your loan, we sent someone to inspect the home to make sure it was occupied." I defaulted by 2 days; I told him to stick that fee up his backside and to send me a bill. I will tell you I have had several mortgage companies over the years on different properties, including Countrywide, and by far these are the biggest crooks coming down the line. I am sure they never sent anyone by to check my house, just as they lied about having to be three months behind on my mortgage to qualify for refinance. Now my credit is shot due to their inept manager. I bet right now that Amadeo Giannini is rolling in his grave to see what has happened to his Bank of Italy. These people should be put out of business.

On November 6, 2012 a letter was sent stating, "We are pleased to inform you that you have been approved for a loan modification." We were to sign two copies and send a certified check or money order for $941.36. Which we did. BOA sold our loan to Greentree In May 2013 and Oct 1, 2013 we received a Notice of Hearing on Motion for Relief from Stay (we are in our final year of bankruptcy) from Greentree Servicing LLC. Our court date was November 5, 2013 in Brunswick, GA. They claimed we were in default of our loan and the modification is not valid. I have every document they ever sent me and can prove that we complied with everything they requested. We now have a continuance for Dec 2, 2013.

According to my lawyer, someone at BOA did not file the modification with the courts and it is not valid. I will admit that if you look at the summary they really did us only one favor and that was to help us catch up on the past due interest. The interest rate stayed the same as original loan 5.375%. They extended the 9,848.14 to 18 years and 2 months and extended maturity date to November 1, 2052. We discussed this with our attorney and he agreed this would help out until we could get on our feet, then refinance. This whole thing has been such a mess. We are at a loss. We don't want to lose our home, so we are considering going into our retirement and paying the past due interest which is now around 14,000.00. Can anyone help?

I am going to court and would like to give the judge my story and anyone else who would like to share them. I will need your full name and town, state and email to show legitimacy. Please email me at **. I am from Chicago. Feel free to look up who I am. I just think that even if I lose on Friday, I would hopefully give the judge a glimpse of how many of us have been deceived. Any legal suggestions would be appreciated.

Finally when I had one person who was helping me get a modification going, he left and I then went through countless other customer service people that would come and go on my file and "lost" paperwork etc etc which is the same theme for many here and many tens of thousands of other homeowners who have fallen victim to B of A. I finally was offered a modification but it included no reduction in interest or principal but it was never explained to me that I did not qualify for any federal program or that what I was offered was an in-house modification. I made the initial three payments only to find out that my permanent payment was the same so I refused the offer since it was almost $200 more than my previous mortgage payment.

For several months following this I played the run around game with B of A until I finally sent a letter to the CEO and filed complaints with Mr. Obama, my local government officials, the OCC and DOJ. Miraculously, I was assigned a specific CRM by the name of Gabriel **. It wasn't until he came on to the scene that I found out that because my mortgage was not backed by Freddie or Fannie I was not eligible for any federal programs. So, we started over on an in-house modification. It went relatively quickly and I paid the 3 payments plus month four and within the guidelines on the agreement.

Soon after, I received a letter stating that I was being denied because I did not pay on time. I have Federal Express shipping receipts and cancelled checks to prove that I in fact did honor my agreement. Since then, I have attempted contacting Bank of America. The regular customer service department cannot talk to me because my file is in litigation. I asked who I could speak to and was told I would need to contact their counsel. WTF? Why after all these years would I directly contact their attorneys and how am I supposed to do so? And oh by the way, their attorneys would never talk to me or any other customer.

I found another phone number and was able to get to a "dispute" representative. This is new and quite humorous that B of A now pays people to take dispute calls vs. being proactive and having a point of contact until a modification is final, signed sealed and delivered. When I began my modification, Mr. ** said he was being taken off since I was starting a modification. I told the "dispute" rep that I needed to speak to someone and he replied that I would be contacted by mail within 30 days. Well I sure did get a letter that said "we are researching your dispute and will let you know something."

I finally decided to send yet another email to the Office of the CEO, Mr. Brian Moynihan, explaining that there is no one for me to communicate with to resolve this matter and I have no response from anyone. Knowing how B of A works and the tens of thousands of Americans who have experienced the identical type of treatment with their modifications, I fear that one day a foreclosure notice will show up and that will be it. Since I have received no response from Bank of America, I am again filing complaints with the Office of the President, Mr. Obama, the OCC, DOJ, Attorney General and my state government agencies.

All I want is to resolve this matter and stay in my home. I now have a good job and can completely afford even a modified payment but I just need B of A to help me get there and stop the nonsense!! What is wrong with this country when people that want to keep their homes, have the means to do so, and jump through every hoop to get information that is requested and do so over and over and over again and spend 3 years of their life trying to save their home cannot do so because Bank of America is not being held accountable by our government and continues to keep homeowners hostage by their illegal and unethical practices and ways of doing business? I am putting in a rating of one star only because I have to. If I could I would rate them -100% as I am BEYOND angry -- I am fed up!

I just spoke recently with a CEO of BOA. She told me the same thing. But now the appraisal is close to $500. We do not have the $$. We have not bought groceries since August 28, 2013. My husband also is diabetic and has heart disease. I did contact the OCC and the case is closed. But oh Mary, the CEO promised me a gift card, that was over a month ago and still have not seen it. Cannot get help from our state for we make $100 too much before we pay his ex out of his disability (yes his disability she gets half, they count the whole thing even though we only get half). So I told Mary while you eat gourmet we starve. Needless to say, we are paying double insurance on our home. Isn't there something out there us honest people can do to get help to sue this bank for their dishonesty and greediness? Make them pay off our mortgage? Half at least? They have made so much money it sure isn't going to hurt them in any means.

Currently, we all know that when you are in foreclosure status, monthly payments are NOT accepted. After the rescission, I have been in the status of "foreclosure with no sale date" off and on for years now. With that said, I'm so far behind. It's like they have intentionally wanted me to be so far behind that I won't qualify for anything. I'm fighting hard b/c I refuse to back down on something I believe is morally wrong. I ENCOURAGE all of you to to file complaints with: 1) the OCC. 2) your state Attorney General, and 3) the CFPB - Consumer Financial Protection Bureau.

I'm NOT losing my home. It's all I have. It started out on us in 2009 with a financial hardship. That's LONG gone, now this is totally on BOA's incompetency. I'm one person but together we can fight for what is right. Please follow my suggestions. It may not help, but it certainly won't hurt. And EDUCATE yourself as well!!!!

I was late on 2 payments due to the expenses of my move and reduced salary. Before the 2nd payment was even late, a property management company was sent by Bank of America to my house to paste a notice on my windows stating the house was abandoned and on my call to this property management company I was informed the locks would be changed. The house was to be winterized and the yard cared for all of course at my expense. I explained there was no need as I am a responsible owner and have made arrangements to take care of all this myself. I was told my real estate agent was required to sign a "Release of Liability" to stop all this work from proceeding.

The next "Help" I received was a notice that unless I purchased additional insurance because the home is vacant, Bank of America would purchase this insurance at a substantial (of course) cost to me. The next "Help" I received was a notice of "intent to foreclose," after missing 2, yes 2 payments and after my explaining my situation and asking for some time to sell the house (at a significantly lower price than I paid). My house is in very good condition and I have spent well over $10k to upgrade and repair it.

While I understand that Bank of America is not solely responsible for home values being what they are, are they not at least partially responsible for making the type of loans that have created the loss of home value equity? And should they not shoulder some of the responsibly to at least work with homeowners who find themselves in these type of situations? Oh believe me, they claim to and will make you think that they do at first. But miss 1 or 2 payments and see how much "Help" they truly are. How is running up huge and additional unnecessary bills for property management, insurance and late fees and fines "Helping" me or my situation in any way? Talk about kicking a person when they are down and out!!! And by the way Bank of America, if you happen to read this, DO NOT CALL ME, I DO NOT NEED ANYMORE OF YOUR "HELP"!!!

My advice or suggestion to you if you are in a similar situation would be to consult a lawyer or really anyone besides Bank of America first unless you want the type of "Help" from Bank of America I have described. This is all true and documented, I am honest, hard working and found myself in a situation in where I had little control of what was happening to me and am trying to make the best of it.

The next evening when I got home there was a FedEx package on my door (from the same guy who had called me the day before) telling me that my application had been denied because I had failed to submit the information they had requested. BS! I documented EVERYTHING! They let me know my house was going for public sale the next Monday morning at 8:00. They literally gave me 1 business day notice. I scrambled around and found an attorney to stop the sale after paying a large retainer. Now another year and a half down the road, BofA is sending their attorneys this Friday to take my deposition. Really? For my little $200,000 mortgage??? They are so determined to put this old woman out of her home that they are spending more than my home is worth! Makes no sense...

It starts with a divorce to which I received in 2009. I went to Bank of America asking to be accepted on their HAMP program for modification of my mortgage. Due to loss of child support (children became of age) and $62,000 a year in my ex-husband's income, I was no longer able to pay my mortgage. I submitted paperwork, it got lost. I resubmitted paperwork, it got lost again. After the third time of trying to submit paperwork that entailed personal information on myself including my social security number, I was finally accepted for HAMP (Home Affordable Modification Program).

I had to prove I could make 3 trial payments before my loan would close. I completed all trial payments. No closing. 2-1/2 years later, I have still NOT closed. I have had 5 representatives that I have had to deal with because each time I told my story, they would leave BOA or go to another department. They are complete idiots!!

Now comes the time, my kids have gone to college, moved out and will not return. My home is too big for just myself. I put my home up for sale so I could downsize. I get a buyer for my home and now Bank of America wants to tell me my payoff is $34,000.00 more than my principal balance. They can't seem to tell me why but says I owe it. My question to them was, would you not rather receive the full principal balance that I owe on my home or have me file bankruptcy and you will receive NOTHING!

It is sad that I have now gone to the CEO/President for Bank of America and still can not get any answers. I think if enough people contacts the CEO at 704-386-5687 and complains about the headache we receive from BOA, maybe someone will start to listen. The government has bailed them out several times now and yet they continue to screw the people that keep them in business. I can't wait to get out from under this mortgage so I can say "so long" to Bank of America. They have been my worst nightmare...

You gotta love the reps voice mails, "we will contact you within 5 business days", that never happens. Numerous calls and complaints must be made within their customer service department before a single call is returned. The Supervisors for the assigned Reps are just as useless as the reps as they do not return calls either. Fast forward to present day (Nov 2013), the bank still has not closed my file. They are telling me that my file is in the "completed phase" and is waiting to be sent to the closing department. It’s amazing to see that when the paperwork is still being reviewed, the bank doesn't hesitate to pass it along to the next "lying representative"; however, when it comes time to pass it to the "closing phase" rep, they have a hard time letting go.

My assigned Home Service Specialist never kept an appointment to go over the loan docs when they came. She neglected to tell me important details, and then said she did. She never informed me about free faxing through a local bank when I told her I didn't want to fax at $1/page. I spent considerable money to fax; since a large doc wouldn't upload to their site and couldn't be emailed...then they lost the fax. Docs that I uploaded previously had to be resubmitted, and they also sent mailings still asking for docs that were already uploaded.

She pushed through the closing, and the Settlement had taxes taken out that I had already paid. She then told me she is holding the funds because there are docs missing. They knew I was divorced at the initial application, but suddenly they notice this, and they needed the Divorce Decree. I sent the one-page Decree I had, then she said it wasn't enough. She is "trying to get a waiver"...funds were supposed to be in my account tonight. We'll see...

All in all it was terrible. The paperwork took forever; the final documentation was mailed out without any help. They just wanted you to sign. Of course we were told to call if we had questions but once again no one was available and then when I did speak to someone they couldn't tell me anything either. I sent emails, called and nothing seemed to matter. The process was wrapped up this February 2013 and it was started in June of 2011.

I have had 2 modifications and I still can't afford my mortgage. My home was also on the market for a short sale (for a year). I didn't get any offers. I tried to get another modification done but the HUD program would not approve me because I don't make enough. I understand that I'm losing my home but I just wanted to do a deed in lieu rather than it be in the paper and shown to the world that I can't afford my home.

So we fell behind on our payments after giving up trying to work out something with them. Eventually in May 2011, we were forced to file bankruptcy. We had a Chapter 11 which was very complicated and were "reorganizing" our debt and through BOA's "attorneys" worked out a payment arrangement as part of bankruptcy payment plan which BOA agreed to. Once our plan was confirmed a year ago, October 2012, we began making payments to BOA. Our bankruptcy was officially closed in January 2013. Part of our agreement was that all the past due payment total would be added onto the end of the loan and just stretch out our term, thus bringing out account current.

So, we thought we were all clear, making regular monthly payments. Then about 6 months ago, they started sending stuff to our old attorney about doing a home modification. I contacted them to tell them that our attorney changed almost 2 years ago and that they should have received all this information through the court and also that our BK was closed. They refused to update the information stating our BK was still active. I started faxing them our attorney information and a letter stating he was our attorney and the status of our BK to no avail.

Along the way we decided to see if we could lower our BK payment, even lower with the modification since the "account manager" promised it was the easiest thing we'd ever do, less paperwork etc. We sent in all the paperwork, and at the same time were struggling to get our account updated to reflect our new terms. Every week I called, I was told it was "expedited" to the BK Department and every week I called back and nothing was done. I was finally told a few weeks ago that they didn’t have any information about it closing and that I needed to fax them "the agreement" we made in the court with them.

Why do I have to PROVE what they already should know? They received all the court documents. So, I went ahead and faxed this so they could go ahead and update our account and close the active BK. Still nothing. I called back and was told the customer service person could see all the faxed documents so she would attach them to an email and send them over to the BK Closing Dept and would call me back when she heard back…then again NOTHING. So, I called back and was told that he could see where it was sent over but the Closing Department said they couldn’t close it because they were missing information needed to close but they don’t tell them what is needed, just that they can’t close it.

ARE YOU SERIOUS!!! Isn’t a court order by a bankruptcy court enough to close it? Idiots!!! In the meantime, after constant phone calls from the Home Modification stating they needed this faxed or didn’t have that, we decided to bag it. I mean it was optional wasn’t it…APPARENTLY NOT…We were told last week by the Home Modification Dept that if we didn’t get approved, then our home was going into Foreclosure.

Hellloooo. We have been making "court ordered" payments for a year. My husband told the person that we already had an agreement in the BK court and she stated, "You are 24 months behind so you will go to foreclosure if you don’t get approved for the home modification.” He told her that we have been making payments for a year which she actually told him that we were not making payments to them but to the BK court. OMG…liar…where are our payments going? So bottom line, they refuse to acknowledge our bankruptcy, confirmed plan and payment arrangement even though THEIR attorney did the deal.

I even called their attorney who stated they worked on this case but it was closed months ago and unless BOA contacts them to reopen it then there is nothing they can do to help us. Needless to say, after they threatened foreclosure, we contacted our BK attorney. We are still waiting to hear. The "collection" department said they will be calling us every week. I hope they know they are in violation of a court order and someone needs to stop these idiots and run them out of business. We're ready to just walk away. If you cannot be protected from them in a court of law, what are you supposed to do?

Then on a late fee, just know that if you miss the payment (only 16 days past due date) by one hour (East coast closes at 3 PM, so a 4 o'clock payment is late), the charge is $109. Then they double it the next month, then add another $100 if you don't pay that much. Then our property taxes went DOWN, so they saw it as going UP! ... So they increased the amount because the tax changed, but they charged more.

We never signed up for BoA. Our loan was handed to them and the crappy service started then. We are stuck and can't get out... They just charge us whatever they want. They never answer the phone. Then if you can get someone, they just push you off to someone else... who can't answer your questions. It's a never-ending loop of complete and total lack of any type of service. They are the worst. Don't go with them. It's nearly criminal... but I'm afraid the government is watching.

They sent a Welcome letter Oct 3 and emailed my Realtor and asked her to get documents completed. I was assigned new relationship manager, Theresa **, who said, "I hope you have a better experience." On 14 Oct they decided to transfer to new servicer Greentree on Oct 31. I said, "Transfer now." They said they couldn't until Oct 31 as "they transfer in bulk". Thus again being the causative agent for the delay. I expressed my anger to Ms. ** on Oct 15 and she gave me blanket reasons "we transfer all the time for various reasons" and "you're entitled to your opinion." Well, here is my opinion posted on the net for all to see. B of A wrecks Short Sales, says one thing 1 week and another next week, all the while your realtor has been trying to satisfy their requirements for over 1 year. What a waste of a company.

This entire time, we have not been able to access our account on the BOA web site and have had to call BOA every month to make our payments over the phone. Just this past May, we received another letter via FedEx from BOA saying, "Congratulations, your permanent modification is complete" and it had copies of everything we had signed and notarized last year. However, whenever we call BOA, we continue to be transferred to our "account manager," who is NEVER available, so we have to speak with the concierge department. Just within the past month, we have finally been able to access our account online again and it does show our new interest rate and our new monthly payment amount. HOWEVER, the last time our account was updated was in July. It is now October and we received a certified letter in the mail from BOA claiming that we are now 3 months behind on our payments, which is NOT true.

Their computer system hasn't even updated our account in 3 months, so obviously it's not showing the last 3 months or payments, which HAVE ALL BEEN MADE! I just called BOA and spoke with someone in the concierge department and he told me that the reason we received the letter stating we are 3 months behind is because their computer system "hasn't caught up with the modification yet" and the last time our account was updated in their computer system was in July, exactly 3 months ago. They told me that as long as I am still making my payment each month according to the modification, then we don't have to worry about the letter we received and to just keep making our payments as we have been.

This is insane!!!! This has RUINED my credit rating! We have been making our payments EVERY SINGLE MONTH since the modification was approved and have NEVER missed a month, yet BOA can't get off their lazy you-know-whats and update our account and put it back to normal status, even though it's been OVER A YEAR since our modification was first approved and 5 months since we received the letter saying that our permanent modification had been successfully completed. I have now filed a complaint with our state's Consumer Credit Protection Division and they are going to get an attorney involved to help us with this. Reading through all of these reviews, I see that others are in the same exact boat we are. Bank of America is nothing but a bunch of criminals!!!

I just switched insurance companies and my homeowners dropped down with a difference of $972.00. Customer service kept telling me to send them the entire amount of the check refund I receive from my insurance company so it could go into my escrow. Um.... no that is my money! I had to email and fax B of A 10x (no joke) letting them know I switched policies and requesting they update my information. On the tenth try they finally updated it but sent a check to the new insurance company even though I called and emailed and faxed requesting they not do it because I already paid it. So I had to contact the insurance company and advise them to issue a refund.

B of A says now they will not update my mortgage until there is a positive balance in my escrow but the only reason there is a negative balance is because they are IDIOTS and made the mistake themselves. I should mention I have been in this home for 7 years. In the 7 years I have been in this home I have NEVER EVER made a late payment. However, B of A continues to disrespect me and argue with me about charges due on my account. I read an article that B of A said that most of their complaints came from people who are losing their homes so of course they were not happy and are complaining. I am here to say, I am not losing my home nor have I ever come close to losing my home, but I still think B of A sucks and the customer service is HORRIBLE... They make me feel awful every single time I call.

Unbeknownst to me, Countrywide/Bank of America had started foreclosure proceedings. Although I spoke with representatives regularly, I was never told I was in foreclosure and I never received notice of the foreclosure. Bank of America foreclosed on me in September 2009 without proper statutory notice. The unit reverted to Fannie Mae via Trustee Deed in October 2009. Bank of America continued to communicate with me for nine (9) months after it had foreclosed in October 2009. During those conversations, any representations made to me by Bank of America employees after the foreclosure were either intentionally or grossly negligent misrepresentations per se, as a) the bank no longer held the mortgage, b) had been paid in full by Fannie Mae, c) had conveyed title to Fannie Mae, and d) had no legal right whatsoever to make any (mis)representations to me or to even discuss a non-existent mortgage with her. Because I wasn’t aware of the foreclosure, she continued to negotiate with Bank of America in good faith.

What’s so incredible is that those continued negotiations culminated in the offer and acceptance of a written loan modification in July 2010 on a unit that neither Countrywide nor Bank of America had any interest. Due to the significant deficiencies in the foreclosure, Fannie Mae subsequently required Bank of America to take the unit back, conveying ownership to it once again. I have since filed a lawsuit and have been a party to not one, but two class action lawsuits. What is so disheartening is that the attorneys appear in court and simply distort the truth. The problem they have in my case is that they can’t justify approving a loan modification on a unit they no longer owned NINE MONTHS after it had foreclosed.

I will continue to fight the fight and hopefully other homeowners will be able to hold B of A accountable for their egregious actions. If you are in Arizona, contact Dean of Meade Law Firm. Be sure to have all of your documentation in order, but if you do, it's time to show Bank of America, it is not good business to continue to take advantage of homeowners. If and only if we hit the bank in the area it cares most about - in its bottom line - will we make a difference. Dean is extremely knowledgeable about the actions of B of A and will hold it accountable!

We didn't even get any of this information until about a month later. Even then the paperwork that comes back is only a computerized version of what we signed and the initials on the first page look completely forged (won't go into why I know this).

We go along paying our mortgage until the end of 2012 even though I was injured about 1 1/2 yrs before that. Short story long we requested a modification knowing we couldn't sustain the falsely inflated amount that we initially purchased the home for, and the huge payments we were paying. In doing research I find that by law a trade name (which is exactly what American's Wholesale Lender is, a trade name of Countrywide) cannot sue. So how could they possibly foreclose? Well, short answer, MERS.

In looking this up, this should have also been illegal since supposedly MERS wasn't able to legally operate in my state at the time my mortgage was done. Yet they went right ahead and foreclosed on millions. Millions of people got pennies on the dollar, while these greedy monsters are walking around like we are the ones that did something wrong.

Fast forward to -- We have spent 9 months and hundreds of hours trying to get this mod through. It's completely awful. In the papers they sent us, they have lowered the payment by a lot; however they have also made two thirds of our balance a balloon payment that will be due at the same maturity date. After they took my tax dollars by whining to the government and got to take billions and billions of at .86% interest, they are now acting like horrendous bullies. They got to have things set right but we don't deserve the same?

I actually had an extremely rude and nasty rep. from BoA tell me that they would send out the documents if they felt like and that I would have a limited time to respond, and that if I didn't like the terms that was too bad because they weren't negotiable. I have now waited two months and they won't respond. I want a better deal because what few people understand is that they are supposed to be following the National Mortgage Settlement and they simply are not. They are not going by the waterfall because they are stating that Bank of New York Mellon (BoNY) chose not to participate in HAMP. So what? Bank of America does. They want to act like it's only because they "unknowingly" bought Countrywide, when many of us know that all roads lead back to Bank of America.

From my research BoA was involved from the very beginning and they don't have one excuse. I noticed that many on these pages and many others blame themselves. I've even had family members hint the same. That sentiment is ridiculous.

Here's why. The FHFA has sued BoA/CW, the US government has sued BoA/CW, BoNY has sued BoA/CW all claiming that they were lied to and deceived. These are amongst the most sophisticated financial investors in the world. So my question is this, exactly how did the common borrower swindle the institutions that supposedly were so clever they deceived the most sophisticated financial investors? It just isn't logical and doesn't make any sense.

We never should have been put into a sub prime loan for several reasons. One being that we didn't have bad credit. Two that our home should have been sold for much less than what we purchased it for. It wasn't overpriced for what the market was at the time, but the market had been falsely inflated by the banks and Wall Street and so again, it was their fault.

Maybe we shouldn't' have purchased during that time, but we needed something to invest in. Real estate had always been known as the safest possible investment until all this happened.

The banks couldn't be doing this if so many were not being complicit. If these people need their jobs so bad that they are willing to sacrifice other people's lives, I would at least hope that they feel some shame. I hope that they will remember that this is how Hitler gained control. People didn't believe it was as bad as it was and many were complicit, not wanting to go against those in power.

When I was getting this loan the rates were around 3.5 to just over 4%. If we would have received a decent rate and a fair price, regardless of me being hurt, we were not so overextended that we wouldn't have been able to make it.

These monsters preyed on people. A Congressman by the name of Tom McClintock stated that he didn't feel that any crime had occurred. That there wasn't any such thing as "predatory lending." He went on to say that if we made bad decisions that we should just get on with our lives and leave everybody else alone. Well, I say the same thing to the government and the banks. We didn't put a gun to their heads to lend us the money. They were the professionals with the fiduciary duty NOT to lend if a person didn't have the ability to pay. They were also the ones coming to US for a bailout (again the most sophisticated financial people whining to rest of us about "how they didn't know"). Well if they didn't know, again, how were we supposed to know?

I would like to ask Mr. McClintock if he programmed his own computer or knows how to fix it. If the company that was supposed to be the most trustworthy, told him they could fix it, but instead scammed him, well I guess he should have been a computer expert and for that matter a mechanic, a farmer, learn to cut his own hair. . . not everyone can be an expert at everything.

Well that was 5 letters of explanation ago; more than 400 pages of documentation either faxed, scanned/e-mailed, or sent through the mail ago. I have complained to supervisors and received nothing more than some simple placating statements. The only real apology that has been received was one for being left on hold for a period of time. I am not one to complain, but now that I have spent $400.00 on an appraisal and $250.00 sublimation fee ($650.00), I am going to wait now to see if they get approval from their "Underwriter" to continue with the loan.

To end this, I have never been late on any payments to creditors, and currently have less than $500.00 outstanding on any credit card. Additionally between my wife and I we have an annual income of about $120,000.00, and have been employed with the same company for more than 25 years. Remember this was nothing more than a "refinance".

In short, don't fall for the letter they sent to you in the mail. And if you are a long-term customer of the bank; take this to heart. If this is the way the treat us, how are they treating others who are attempting to use their loan programs. I and my three children will be closing out all our accounts with this bank and will be searching for a new bank to call home.

Loan officer has already charged $452 for appraisal, although he promised me that he will not charge appraisal fee until your loan is approved. When I demanded to refund appraisal fee, ** and CEO at Plano office has denied to refund. They took three months for all this trouble and I could not even refinance the loan and interest rate gone up. CEO is very unrealistic and dishonest to declare justifiable decision. I am paying mortgage to Chase Bank for last 18 years at higher interest rate, not even one payment is delayed. What better evidence is needed to justify credit of the applicant.

Instead of promoting business, loan officer **, Loan Processor ** and CEO are collectively damaging the business of the Bank. As a matter of fact, these inept staff members of this sprawling bank should be terminated against the allegation for causing financial losses to the customers and also turning down the Bank's business for which they are paid for. No one should contact this bank. There are lot of complaints of fraud against BOA.

In 2011 marital bliss dissipated and my wife and I split. Two years later (2013) we received a divorce decree. In the decree the judge ordered me to refinance the house in order to remove my now ex-wife's name from the note, mortgage, and deed. I proceeded to do just that. The refinance process revealed just how terribly BoA and subsequently EverHome (who now owns the loan) had treated me during the loan modification. The original loan, $167,000 for a term of 30 years at an interest rate of 6.75% (I think, I don't have note in hand at the moment), has become a beast. Currently there is a 1st mortgage of about $162,000 for 40 years at 5%, and a 2nd mortgage of $28,000 with zero interest and zero payment due until the satisfaction of the 1st at which time the second is payable in full. So to refi, I have to refi approx $196,000.

When BoA modded the loan they told me that my arrearages would be added to the loan, then stretched the term out to 40 years. The house hasn't gained value, I didn't agree to purchase a $196,000 home, and I certainly can't sell it for that. South Carolina doesn't reaffirm mortgages in Chapter 7, so no one will refinance this mortgage. EverHome won't talk to me about a refi without a reaffirmation. SC judges will not reaffirm a mortgage in Chap. 7. I am stuck, cornered, basically have to pay rent to BoA/EverHome so they can take my home at the end of 40 years...

Are the banks not getting kickback for assisting people, did they not receive relief - what the freak is going on!!!!!!!! I am really in shock that we are still going round and round with these banks to assist customers who pay on time. The Bank could cash in right now and tack on some fees and just modify the loan so that everyone is happier. Instead they insist on holding me to the terms of this loan. It is basically like I signed a deal with the devil. I know, you can always pay the principal down by adding payments - did I mention I am not rich. Does anybody have any real answers to this? Is there any real course of action that can help? I am so disturbed that I am ready to stop paying and force them to chase the money, This seems like the only thing left to do. Again - I am in total disbelief that I am being held hostage by BOA - the more I think about this, the further I get aggravated - Shoot me some good feedback. If you want to tell me I did it to myself then save it.

I have had countless "Account Representatives", I have contacted the office of the CEO and President of BoA, and have gotten nowhere with them. They refuse to acknowledge that they ever put locks on the doors while I had the home for sale, and refuse to even try to help me in any way. It is now 3 years later, and the issue is still unresolved. We are still not in foreclosure, and every month I get a statement from them asking for a payment. The amount due currently is about 29,000.00. The actual balance left on the mortgage is only 61,000.00.

In the meantime, we had already purchased another home back in October of 2010, and could not afford to continue to make payments on 2 homes. At this point, all we can do is either wait for BoA to eventually start foreclosure or if we're lucky, wait another 3 years until the Statute of Limitations runs out in New York. Either way, we will never ever work with Bank of America again.

Well two weeks later, I received the same letter and BOA had exited me out of the modification process. I called the CEO's office for BOA and spoke to another representative as was told I would have to start the modification process over again. I researched attorneys and found one that specialized in real estate law. I took my copies of my signed loan documents, all letter, all emails and all documents of my phone calls to BOA. I had to pay $1000 for the attorney to write a demand letter. But two weeks later, my modification was magically completed. Should anyone have to hire a lawyer and compel BOA to do their job? Nope. But unfortunately, I was stressed and strained and being herded by BOA into either a short sell or foreclosure. BOA clearly had breached their contract.

All I can say is FIGHT. I also filed letters and complaints with state senators, State Attorney General, Justice Dept, and under the Fair Credit Reporting Act correct my credit report back to 01/01/2011 when my trial payments began forward. You should also know that the Attorney Generals office for Massachusetts and Colorado have or are in the process of filing lawsuits against BOA for deceptive practices and violation of RICO act in regards to modifications. Ex-employees have stated that they were given bonuses and gift cards to lie to customers and clean out their pipelines of valid modifications and deny the customer. Sound familiar? Document and document more. Make copies of every loan document and correspondence and notate every call. Know it is stressful and tough, but you can make those idiots at BOA perform if you are persistent.

Bank of America stated nope never got the money and they are going to foreclose if I do not pay them the missed months. Keep Your Home California says "yes, we have proof they rejected the money." Now I am ineligible for any assistance again unless BofA provides a rejection reason. Of course every person I talk to at BofA says the same things... Money was never here... No records.... can't give a rejection reason, because according to BofA, they did NOT reject the money.

Basically, I am stuck in limbo. Keep Your Home California will NOT let me re-apply until BofA tells them why they didn't accept the money that BofA swears never came..... How is it possible to get a wire into your bank and 6 days later you re-wire the money back to the agency but have no documentation, records, or even a ledger showing that money in and out???? I have over $65,000 in equity in my home now. Of course they want to foreclose on me. BofA will make money off of that!!! Hate the run-around I am getting and have no idea who can help. There has to be someone who monitors these people.

So anyway loan modification sounded like the answer.... Started the process a couple years ago. Just like everyone else "lost paperwork by Fedex" over 3 times, too many different reps to count and finally got what I think is a modification with no signed paperwork back from them and no answers when I call to see if it is permanent and where the signed paperwork is. Oh and they tacked over 1700.00 on the back of my loan and now have to pay for another 30 years on my 78,000 loan. Also they say they did not take enough out for my escrow account and I have to pay 402.00 by Oct 1st???? So sounds like I am at the mercy of the Bank of America. But I have a higher power and I am praying for all of your situations and God is not happy with them and they will fall!! JESUS IS LORD OVER ALL. EVEN THE BANK OF AMERICA!!!!!

We just talked to our new loan people, Greentree, to find out how much we longer we had to pay the higher mortgage to catch up on the back escrow only to find that Greentree is just a cover and BOA still holds the mortgage and that after a year of paying the inflated mortgage, it will be going up even more shortly. Is it even legal what they have and are doing?

Our original closing date was scheduled for Friday of last week. A new septic system was put in place to separate the mobile home system from the house system. We found out through the title broker on Thursday that the closing would be delayed because an inspection the same day of closing wouldn't give the bank time to get the documents ready. While I was frustrated at having to find out through a third party, I understood. Incidentally, the inspector was sick on Friday and did the inspection on Monday. The documents were returned to all BOA employees working on our loan (we were up to 4 contacts at that point), and we were under the impression that since we had filed the final document required we could close Thursday. We scheduled for 3:30pm.

No such luck. More documents were requested on Tuesday and Wednesday, most of which had been provided previously. Confirmation of employment, which should have been done months ago. A pest inspection, which was not required for our conventional loan. Today is Thursday. In the afternoon, closing was again delayed and again we found out through the title broker. This time, we were told that the mobile home had to be completely removed in order to close. Yes, almost a whole week after our original closing date, 2 months after our application, someone finally noticed that the documents had been created for the wrong type of loan. In order to keep our rate and close anytime soon, we have to add the $3-5000 in removal costs to our closing costs and down payment and wait for a crew to dismantle it.

So now we've got 2 choices: stay with BOA, pay for the demolition and removal, wait for its completion and the appraiser's second assessment (meaning an extra month of rent), OR leave BOA and get a higher rate than we could have gotten 2 months ago with another lender while still paying to rent another month. Either way, I'm facing thousands more in cost than was ever estimated or expected. My calls have not been returned by managers. While the associates that I have spoke with are both friendly and sympathetic, they can't solve my issues. Communication within the company seems to be lacking as each new contact had to be brought up to speed on what documents we had provided. At this point, a fair and equitable solution has not been suggested, leaving me completely unsatisfied with this entire experience. To any other new home buyers, I would NOT suggest using BOA for your mortgage. Paying a thousand more in closing costs with a local lender will give you a far better experience than I've had.

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. ** from BAC and was told that I would be helped after a Mrs. ** 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. ** 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. ** 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. ** 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. ** 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, or if a Journalist wants an award winning story on BAC bad practices with the American Public Please contact me.

Loan officer input info into computer without looking at docs (asked me for info). Gave us a rate (which I'm not sure was correct as we are Platinum customers and supposed to get better rate) and once she looked at docs, the 2012 personal income tax had been filed electronically and needed to be signed. I told her my husband was working out in the field (we have a business that works with U.S. Border Patrol) and that he would not be back until late that night. She told me that was fine to sign the return and have him sign it and scan it to her that night. She told me she was leaving on vacation. I left documents with her and went home.

Husband returned and he signed/I signed return, scanned and sent to loan officer. Auto-reply came back that she was out of town until June 15 (yes, June 15). That raised a red flag as the next day was a holiday. The auto-reply came back with two names to contact if necessary. Yes, it was necessary because I didn't know if the information has been received. And so the nightmare began. Days, weeks of no one knowing where confidential documents were, requests from home service specialist 1 at BofA Home Loans Fulfillment in Sacramento for documents, requests from local AVP, mortgage rtl. home loans manager for same info that had already been provided but not found, these two individuals really not sure what is happening and we, the customers for over 20 years with BofA being tossed around like lost baggage.

Appraisal paid for when I started refi process on the 3rd. Appraisal done on 7/20 even though we had been told the loan was going to be declined because they needed paperwork which they had asked for (same paperwork we had provided). Initial loan docs arrived but they had impounds on them. I emailed specialist in Sacramento that we have never had impounds (we have had numerous loans with BofA) we always pay taxes, insurance ourselves and we are always current, provided them necessary info to show this, new docs sent, then had to take to El Con branch to have faxed since there was a time factor (Probably should have put this in earlier).

Miscommunication on BofA's part, avoidance of what was happening with confidential documents, loan officer returns to work, calls me and I ask where documents are and she tells me she locked them up but why, when others needed them. Call didn't resolve anything, talked with both of the employees mentioned earlier, emails that document what I am saying, meeting at local branch with local loan person who was nervous and paranoid and had to bring in the branch manager to listen at which time she (loan officer) said she would do her best to find out where docs were and why we were being threatened to be declined which we were for the following reasons: debt-to-income, income insufficient for amount of credit requested, excessive obligations to income.

Now, if the loan was to be based on my income alone, the loan officer should have said from the beginning that I (me) would not be able to qualify (remember I told her I had never done this before). We do not have car loans. We have a few credit cards that are not maxed out (BofA only a month ago increased our credit on our VISA with them and we didn't ask for this). Our obligations are not excessive and our business tax returns do show loss because the corporation usually does show a loss each year (and they still have given us loans). Our credit scores are very high. We are not delinquent on any bills/accounts yet. The specialist made a statement that we had no money.

Let me see, there is also a substantial amount of money in a money market with BofA. We have numerous assets such as real estate that is paid for. So what's different I asked? Your income. Oh, we also have rental income from a property with a mortgage with another bank - mortgage is current, taxes are current, insurance is current. We receive a good rental income and can have more rental income if we want. The biggest difference that I see is we are two years older (62 and 64) and asking for a 15-year refi. There is so much more to this. We were told by both bank employees that they were putting the loan back in for another review and that was 2 1/2 weeks ago. No word. The person (specialist) that we dealt with and was listed as person to contact with questions has not answered my husband's email of two weeks ago.

In other words, BofA doesn't want our business - we pay our bills and there is no indication that this will change. They would rather do business with individuals who are very, very risky. Very bad experience and I realize this may not make a lot of sense but the paperwork that I have to back it up tells it all. I plan to fight this bank and get answers. I also want our appraisal or our money back. Oh, and on the same day that we were declined, the loan officer I started with walked in and resigned and documents still had not appeared. Loan manager gave me an unacceptable explanation about documents being uploaded and being destroyed because we were declined. The date she said they were uploaded was the same date that our accountant emailed the documents to the specialist in Sacramento who when I repeated what I had been told said, she was the one who uploaded documents on that day which was before we were declined so nothing makes sense. And, since these two conversations, no word from BofA. This may be confusing but there's something not right.

I ask that you join me and go after Bank of America and Wells Fargo for flagrantly violating their obligations under the National Mortgage Settlement in relations to the mortgage modification programs and processes. Bank of America is trying to make money off us during our hardship!! I don't know how they get away with this after our president has given them billions of dollars to help people not make money off people in financial hardship situation. Kept all of your documentation. I recently read an article which was published in Banker & Tradesman about this scam which has happened to thousands of homeowners in the same situation.We are not alone. Many of us do not have the incomes to hire an attorney, but we need to band together and take them down. I'm just another little fish in BOA's shark tank.

I only hope that you join me in this fight so the normal working people will not be victims anymore. BOA should not be in business! I feel that we are suffering unjustly due to the misinformation given to us and mistakes made by uninformed and unqualified BOA employees. This is BOA's racket, scamming and defrauding its customers in plain sight. Hello, government, are you listening? The Banks got their bailout, where is ours???????

I asked if I could fax it and was given a fax number. I faxed the same information with a fax confirmation that it was received by the number it was sent to. Again, I followed up a few days later and again was told that my information was never received. This went on at least 2 more times over the next 6 months. Finally in April of 2012, after repeated loan modification applications, I was told that I hadn't submitted my documentation within the requested time frame and my only option was a cooperative short sale or foreclosure. I employed a Realtor from BOA's list of local Realtors who work with their Equator system. My house formally went on the market on 6/2/2012.

In September 2012, I secured a new job with a better salary. In November 2012, I was informed by BOA that my loan had been sold with a pool of other loans to a new servicing agent. However, I was still receiving emails regarding short-sale showings. After inquiring directly via telephone, I was informed by BOA that the letter regarding my loan being pooled to a new servicing agent had been sent in error and my home was still in short-sale status. With frustration mounting, a friend referred me to a non-profit community program, which works directly with Bank of America to buy the home at the short sale price then sell it back to the owner at the price paid thereby being the new mortgage amount at a fixed rate of 6.25%.

In January 2013, I submitted my financial documentation to the non-profit and awaited approval on my application. On February 14, 2013, my home was taken out of short-sale status by BOA, and I was told I needed to reapply for the short-sale program. I resubmitted an application for short sale again since I was already working with the non-profit and had been pre-approved by them. In March 2013, I was approved for the buyback program by the non-profit and an offer was made on my home, which at this point with each price reduction had a price set by BOA of $57,400 LESS than the original asking price set in June 2012. The offer was made which was $7500 less than the current asking price. Again this offer was made in March 2013.

In May 2013, my Realtor was informed that all of the required documentation had not been uploaded into the Equator system. He confirmed he had uploaded the pertinent information within the time frame. We were then requested to upload new financial data since the data they had from the March application was now outdated. Current financial statements were uploaded to the Equator system and we waited again. On June 12, 2013, several emails were received by my Realtor about missing or out of date documents which needed re-uploading. On July 3, 2013 the file was reviewed again and it was noted that the previous appraisal was out of date and BOA would need to have a new one completed. The house was currently listed at $22,500 under that appraisal. A new appraisal was done within the next week, and the house was appraised at $15,000 higher.

On July 19, 2013, my Realtor was informed that he had not uploaded the new financial documents properly to the Equator system. He double/triple-checked his process and became as frustrated as I am. He confirmed the uploaded documents were copied into the appropriate areas of Equator, reviewing the file, ensuring they were all received accordingly. On July 25, 2013, my Realtor resorted to contacting the Equator System customer service department which confirmed that he had in fact uploaded documents accordingly on specific dates, and they conference-called the BOA representative to confirm. On July 30, 2013, an updated financial statement and bank statements were requested by BOA.

On July 31, 2013, an email was sent to my Realtor and the representative handling my buyback application at the non-profit, indicating that their offer was unreasonable based on the current value of the home. The offer was now $45,000 less than the appraised value. The BOA representative also stated that they could not find a current hardship to support the request for assistance, and that my current mortgage payment is only $1792. On August 2, 2013 a response was made to BOA by the non-profit representative handling my account indicating that had my information been thoroughly reviewed, the hardship would have been noted as beginning in 2008 and subsequent requests for HAMP assistance had been made and declined by BOA.

It was also noted that the offer made by the non-profit was only $7,500 less than the current asking price set by BOA, despite the current value. No one could have anticipated the appraisal would find the property value increasing by $45,000. The price had not been increased since the offer had been made. It was also noted that my monthly payment is NOT $1,792; rather it is only the principal and interest payment. When all escrows are included, my monthly payment amounts to $2,305. I make a gross of $1,400/weekly bringing my monthly gross income to $6,200. The current PITI represents approximately 37% of my gross monthly income which indicates that I am eligible for a HAMP modification. It was also noted to BOA that with my ARM loan with an interest rate of 10.250% set for the period of 2/13 & 8/13 (adjusting semi-annually); the margin is 6.500%, meaning the interest rate will never be lower than 7.500% at best with a ceiling of 17.250%. It was noted that these terms are outrageous and belong to another lending era.

On August 6, 2013, my request for short-sale was declined. I was advised by the non-profit to contact the states attorney general's office for assistance with a loan modification. I have since contacted the attorney general's office and submitted my request for assistance. On August 7th, I received 2 separate letters via FedEx dated August 6, 2013, indicating that I NOTIFIED BOA on July 29, 2013 that I DID NOT WISH TO ACCEPT THE OFFER FOR A MODIFICATION. The second letter received the same day stated that my loan was not eligible for a modification because I WITHDREW MY REQUEST FOR ASSISTANCE. Neither of these statements is true.

I have kept all of my documentation and am very very frustrated with Bank of America. I was recently sent an article which was published in Banker & Tradesman about this scam which has happened to thousands of homeowners in the same situation. After reading many of these posts here, I see that we are not alone. I do not have the income to hire an attorney, though I'm not sure how that would benefit me anyway at this point considering I'm just another little fish in BOA's shark tank.

I constantly questioned management of these acts until I was finally let go. I had 2 checking accounts with the company, where at one point one of my checks was returned causing insufficient funds to be reflected. They told me it was fraudulent activity occurring and they let me go. Many of the staff workers are no longer with the company due to frustrating circumstances. As a large financial institution I don't think employees should be forced to lie in order to keep their job. I understand customers' frustrations in a time of economic hardship that has affected us all. I felt the need to express my concern in this situation to those who have had the "pleasure" of dealing with Bank of America. I have dealt with many BOA customers and hope justice is served for those who have lost homes unnecessarily.

I had no issue with the two ladies who were assigned to work with me; they were polite and answered email on time. I'd like to make that aspect of the process clear. However, they work for a company with serious flaws in the system and I trust with all my heart the bottom line is to make more money. That entails frustrating the customer with issues such as mysterious 'lost' faxes of profoundly personal information, asking for resubmission, asking again for packets to be completed after the customer complied originally within two days, sending a letter of "Incompleteness". Unethical, to say the least.

My credit card was charged for the application fee and appraisal; it has been paid. However, the appraiser sent out was a no-show for his appointment and we rescheduled. I read his 20 page appraisal report July 25, 2013. According to report, I had no refrigerator, washer, and dryer! He did not check all the rooms in the house, and weighted my home to a comparable with a lower square footage, zero-lot line. I have nearly an acre with water exposure to the front and back. He failed to list correctly the prices that homes had sold for in the last year which would have been a favorable report. He opted to write a report which was diminishing. He was from LandSafe and I understood they were affiliates as written to me; actually LandSafe is owned by BofA, thus has an interest to lower the value of one's home for re-financing.

On July 25, 2013, my underwriter called me and said my loan would need to be restructured as a result of the appraisal. She said she was disappointed the figures had come in lower than she thought she would. On July 27, 2013, I mailed in my mortgage for my current loan (was with CW and now BofA since 2008). My credit rating is over 800 as BofA has documented. At the far right bottom of my statement this time, there was in small print a $30 charge for 'late fees'. I had incurred no late fee; I paid my normal coupon and mailed it in. After I read what has happened to people across the USA on this website, I became alarmed and called and also wrote both my loan processor and underwriter to cancel this re-fi process immediately and give me official word in writing that such had been done.

Today is August 3, 2013; I had just paid my mortgage July 27th as I always do at the end of the month; however, today I received my coupon already for the September payment due on the 1st. In very tiny bold print under the usual monthly payment due, it says "Payment due does not include any past due payments, outstanding late charges or fees due". Thus, if I fail to pay $30, am subject to foreclosure. This method they use is nothing less than extortion from the customer. I was never told my loan had been approved; it was still in the process and as stated to me on July 25th, the underwriter said there would have to be changes in settlement costs due to my appraisal report. She did not say what the changes would cost. I cancelled my re-fi after seeing nothing was going anywhere and out of fear.

I shall be forced to contact an attorney now, incur more loss other than the hundreds I paid out for the application fee and appraisal. In retrospect, the pre-approval letters are an invitation to waste your money and develop stress problems. When I emailed my underwriter this week, she replied that "today is my last day with this company". I saved all documentation, also...very hard to believe this is happening to people and worst of all, if late fees are not paid, they can legally start foreclosure proceedings against one soon...won't matter if it's only $30…foreclosure makes them dollars on a re-sale. If the customer sends in an 'incomplete payment', those are BofA's grounds to start foreclosure. I wrote my concerns to my US Congressman earlier this week. I see no 'truth in lending' practices, neither do I see 'full disclosure'. May God help you if you need a re-fi or loan modification. I was only trying to save about $200 for health care costs as the changes are going into effect October 1, 2013.

On 8/1/13 was advised (by Kimmy ** and Shaleshia in the Credit Bureau Dept. of BOA) that the previous information I had been given by BOA employees per phone conversations was incorrect and that reversing this information was impossible. I understand that by law BOA MUST report accurate and truthful information, but please try to understand my position: I entered this program under good faith and with the understanding that credit would be restored to existing score upon completion. I followed all rules and guidelines set before me, all payments during trial period (which lasted 16 months instead of the agreed upon 4 months) were made on time (on or before the due date), and now, 27 months later I am still unable to co-sign with my daughter on a student loan due to the negative reporting on my Bank of America home loan! This is the only negative item on my bureau.

I feel that I am suffering unjustly due to the misinformation given me and mistakes made by uninformed and unqualified BOA employees (was told by Terell in BOA Credit Bureau Dept that at the time I entered the program it was brand new and was still evolving and that many of the BOA employees who were assisting me did not know what they were doing - I believe this is very true). I would greatly appreciate if my case could be reviewed by someone who has the authority to actually reverse this negative information. Terell and more recently, Nicole (both in Credit Bureau Dept.) have read all my case notes and agree with me that all negative information should be removed and were able to reverse several months but not all. Please continue to work this until this matter is resolved.

When I called Bank of America, my representative advised that she had found my documents in separate files for reasons unknown. Bank of America kept finding ways to delay my application. In late June I was advised that a decision would be made soon. Then to my astonishment and disappointment, Bank of America sold my account to Nationstar Mortgage. I was advised by letters from both Bank of America and Nationstar that my documents would all be transferred to Nationstar. However, when I called to introduce myself and inquire, the representative at Nationstar advised that I would need to start the application process all over again.

Yesterday (8/1/2013), I spent over 4 hours scanning all my documents and sent them as instructed by my assigned representative. They were sent as email attachments. Each and every one of the 48 pages are clearly labeled and identified. Then my Nationstar assigned representative called saying that I had to resend to make the documents easier to access. I had not been previously advised of any necessary format nor are there any instructions about any required format. Now Nationstar is dragging its feet and delaying further action. I am outraged by this and made my opinion clear to the Nationstar representative that I am upset with his bureaucratic attitude and unreasonable demand. My home business has suffered the ripple effect of a still bad economy. I need a modification if I am to be able to keep my home which houses my business.

My credit is ** because of this. I can't get mortgage insurance or even a policy on my spouse or myself because it looks like we are in major debt. But I have paid EVERY trial payment monthly. I have gone as far as calling the VP of BOA and got his secretary who got me a new case manager but after a few months, she was replaced with another and I'm back to square one!! WORST COMPANY EVER. If anything would happen to my husband, we could lose everything since I can't get insurance on him and I am on disability and not on the loan.

In 2009, my primary client was a resort development in Hunt, TX. I served on a contract basis as the president of the company, but unlike the regular employees, I was subject to delays on when I would get paid for my services. After working nearly that entire year and continually being promised that "next month you will get paid," the developer ran out of money and I was let go without being paid. I am still owed $130,000 for services rendered. I also co-purchased a villa as a 50% owner at the resort to help the resorts cash flow at the start of 2009.

The developer signed a long term lease of the villa to essentially cover all monthly mortgage payments, taxes and insurance costs, but he stopped paying this in 2012. In addition, I chose to hold my only daughter’s wedding at the resort in 2009 in order to help the resort attract a large audience of well-heeled guests and provide some much needed cash flow, all the time expecting to get paid what I was owed. After spending about $80,000 on the wedding, and maxing out my credit cards to do so, I did not get paid and now had lots of new debt with no income.

Due to this set of circumstances, I found myself having to scrape and borrow every month to make my B of A mortgage payment and did so typically on the last day of the 30 day grace period each month, while running up unpaid late fees. Each month, B of A would have their robo-callers call me to inform me I was late and ask me why after telling me the call would be recorded. I repeatedly asked for assistance month after month to possibly get a modification or some other form of temporary relief, but never could get anywhere. This went on for at least 18 months. Meanwhile, I got a high paying new job in early 2010 and set about trying to dig out of my financial while working literally seven days a week.

In 2012, it became apparent that I would fall beyond the 30 day grace period in my B of A payments so I set up an appointment to meet with a loan modification representative of B of A. The rep reviewed my circumstances and politely told me that if she submitted my request while just 30 60 days past due, she knew it would be rejected and I would not get the modification. The B of A rep said I had to be at least 90 days past due to be considered. I specifically asked, "Do you mean I need to skip two more payments to go 90 days past due?" And she replied, “I’m sorry, but yes.”

So I did what I was told and then re-applied for the modification. I then received the modification that began with trial payments for a few months, which I made on time. I was then granted the permanent modification and I have been current since. Note also that the modification did not provide any interest rate relief nor any reduction in principal, which may have been in violation of the government mandate after the banks got in trouble for their lending practices.

What I did not realize, was that B of A did not go back and correct my three months of being late on the mortgage payments that they had instructed me to do. Now, I am relocating to new job and have my home leased (the one with the B of A loan). I have strengthened my credit score and have a high income job and would otherwise qualify for a new mortgage, which I am applying for to purchase a much lower-priced home for my family. The new lender, however, has informed me that although I would otherwise qualify for the new loan, they cannot grant it with the three months of being behind still on my credit. He said that I need B of A to issue a credit correction to have these items removed since I followed all of their directions for the modification, which is why I ended up behind by three months instead of one month in the first place.

I contacted B of A this week and was passed around eight times to eight different departments and eight different representatives. Each time I had to re-state my name, account number, full address, last four of my social security number, and repeat my circumstances (at least two hours of my time, with one time getting disconnected and having to start completely over).

I am 56 years old. I have never defaulted on a loan and in fact have owned seven different homes and had more than ten different mortgage loans over the years. In fact, I have never defaulted on any loan. I simply ran into a severe financial hardship that I worked through and continued to make good on my debts. All I need is for B of A Credit Reporting to contact the credit agencies and have the three months in a row for March, April, May of 2012 to be corrected to show that they were not delinquent since I was working through a modification under their direction and then I will be fine.

I need this handled immediately because my wife and I need to close on our new home loan within the next few weeks and be moved by the end of August. This cannot drag on for days, much less weeks. If I do not hear a response by Tuesday, July 30th, I am going to be forced to take more drastic measures and contact the various consumer advocacy groups within the media to tell my story and hope that one or more of them will decide to share it publically as an example of how the big banks treat their customers still even after all of the scrutiny they received during the financial meltdown a few years ago.

I am one of the good guys who chose not to go the bankruptcy route during my financial hardship and instead worked my way through a very painful few years to stay afloat. What I am asking for is so simple that it is astounding that B of A would not just take care of me and be done with it since it involves no financial cost to the bank. Please contact me by phone at ** or email at **. Having no other alternative, I will share my story with whoever in the media wants to pick it up, if I am not contacted by Tuesday. Thank you for your consideration.

Ask representative to send me the denial letter. She says she cannot but will send it to my attorney (a week ago). Asked attorney for a copy and he did not get the letter. Call BOA back and ask where the denial letter is. They say it was sent. I tell them my attorney did not receive it and to send again. No, they will not send again because they sent it already, but they will fax it. I must retrieve fax number for them, send it to me. No they can't do that because I'm in chapter 13...Funny I got the first two denial letters...Oh yeah, they did approve me for a modification simultaneously with the second denial with a much higher payment defeating the purpose of a modification. They gloated, I have a totally unsecured 2nd lien owned by BOA and I will create my own modification by having the 2nd lien stripped and placed in unsecured status, live out my 5 year plan, build equity and make money on the sale.

This is BOA’s racket, scamming and defrauding its customers in plain sight. How can the same lame story be repeated over and over again. Hello government banking authority, are you listening? It has been 2 years and have exhausted my efforts. Just think, BOA had a chance to modify the first lien thereby creating a position putting the 2nd lien in a secured status. I would have had to pay both liens, with the 2nd being at 9%.

Then, yesterday, I not only get a phone call from a clueless 'agent' to inform me they've sold my loan to M&T Bank, but I get written confirmation of the transfer of 'servicers' in yesterday's mail. The letter was dated July 10th, which means that whoever my 3rd party negotiator has been speaking with has been lying through their teeth when they said 'we're working on this'. In reality, they've been planning on dumping my loan off on another servicer. I've already paid off the MIP on this loan, so they aren't going to get any goodies from the government if they foreclose and the property (a small, one-bedroom townhome) is only worth 2/3rds of what I paid for it at its current market value.

Not only has BOA been outright lying to my negotiator and myself, but because the loan is an FHA loan, it's deliberately trying to avoid dealing with HAMP regulations with regard to an FHA short sale. I've been waiting for an answer from them about the buyer's offer for a long while now and I believe they've been purposely dragging their heels, until it became apparent that they'd have to allow the short sale. They chose to sell off the loan, all while deceiving me and my negotiator as to the status of my short sale. When I asked to speak to the new negotiator they'd assigned me, the excuse was that 'oh, her voice mail box hasn't been set up yet' and of course, her supervisor wasn't available.

The level of incompetence and sheer maliciousness towards distressed homeowners is mind-boggling. They kept whining about 'reading the notes' attached to my file. Apparently, the amount of notes attached to my particular short sale rivals the number of pages in 'War and Peace', because they put me on hold five times just to 'review the notes'. There is no reason for this runaround and I’m left with the conclusion that I and my 3rd party negotiator have been deliberately stonewalled. Color me unamused.

I will be filing grievances with HUD, the Colorado Attorney General's office, the Federal Reserve, and any and all Consumer Protection agencies I can find. If necessary, I will pursue legal action against this bank for fraud. My loan transfers to M&T Bank, which has dismal reviews when it comes to short sales. It is likely I will have to start this process all over again with the new bank, even though the letter sent to me by BOA indicated that the new bank would honor the paperwork already filed. From my research on the new servicer, that also appears to be a lie.

If there was a way I could rate this bank and its employees with a 'zero', I would do so. I will never, ever do business with this organization again. They seem to have plenty of money for advertising their services and for sponsoring in mini-series on History Channel, but they can't see fit to comply with HAMP regulations and prefer to give distressed homeowners who are trying to do the right thing by pursuing a short sale the bum's rush. The real bums are the ones who keep people hoping for a resolution in short sale limbo and then lie to them about the status of their files.

In April 2013, we received a letter of denial along with a letter that our customer rep had changed.... again. When we contacted the new representative and asked why we were denied, he stated that they had not received all of the requested documents. We explained that we had sent everything that was requested and all he could say was that they were not in his possession and if we wanted to pursue the modification, we would have to start all over again and submit a new application and all the documents previously requested. So, we did.

In late June 2013 the representative called to tell me the 4506-T form was still needed. We explained that we sent it with the second application as requested. All he could say was that it wasn't received. We faxed it twice to BOA on 6/26/13. On 6/28/13 we called to make sure it was received. Our assigned rep was not in but this person told me that the form was received but information was missing. We had to make corrections on it and send it again. We went over EXACTLY what was needed on this form and we faxed it again. On 7/5/13 we called to make sure it was received and they had received all that was needed. AGAIN.... something else that wasn't mentioned before was missing from this form. EXTREMELY FRUSTRATING!!!!!

Each time my representative calls.... every 7-10 days, he acts as if we are initiating the call... Has no idea what is going on and has NO answers for us. We have asked to speak with his supervisor, but she never calls back. Today our rep said that getting a loan is a lengthy process... We have never had it take 4-5 months. This is absolutely ridiculous. Either we qualify or we don't.

I phoned and when the representative looked through my documentation, she admitted that they dropped the ball. Unfortunately she would have to start the process again. Today I got a foreclosure notice. I called again, and I get a run around, but told that we had done everything we were told. There of course is more to this, but it's too lengthy to recount all here. I have all of my documentation, e-mails, etc which comprise several hundreds of pages. I guess now I will have to seek legal council, and take them to court. Reading some of the complaints here, I can't believe how out of control they are.

We were told to wait to be contacted. Imagine my surprise when the house was placed in default and put into foreclosure! I got on the phone with BOA because of the error (crossed wires and the house should have never been in foreclosure) and was told they would fix things and make it right. I showed up at the court proceedings and we were told we got to keep our home and that it was dismissed. We began working with a lady named Melissa in the loan modification department. We were working well together, faxing documents and making progress. Several months in to that, Melissa was no longer available and I was told I would no longer have a particular person to work with. Long story short, I can't get anywhere! We get a different person every time we contact them and have to start over with our story and no one knows what to do with us.

On 7/9/13, a man showed up at our door and informed my teenage son that he had bought the house and that we had to move. I was never notified that it went back into foreclosure or that there would be a hearing. The foreclosure attorney said he mailed us the information by snail mail, but that our mail service must have lost it (according to his assistant). Now, we are being forced out of our home and have to move. All this time, I thought we were in loan modification and BOA was foreclosing on me. It would have been nice to know or to even be able to speak to the same person each time we tried to fix this issue.

BOTTOM LINE - we wouldn't be in this mess or situation if BOA in Norman, OK hadn't misappropriated funds in the first place. The only thing I ever did wrong was do as I was told by BOA. I was not told to make payments, how much the new payment amount would be, or when to make them. I was kept completely in the dark and our home was stolen by them right out from under us. I am now homeless with a wife and two step-kids. We are having trouble finding a rent home because the kids have dogs. Their father died two years ago and now they have lost their home - the one I promised them would be home forever. I will not ask them to give up their pets too. BOA owes me a home. And, the idiot who misappropriated the funds in the first place should, at the very minimum, lose their job. I would love a name and address so I know who to sue in civil court.

So I called my customer relationship manager, Devin **, and he told me, "You didn't have to sign. You requested help so I put you on a loan modification status!!!" And to make it worse, the loan modification started on 04/1/2013 without me knowing anything until this day (it has not been corrected). My payments have been put in the system as partial payment!! For the last 4 months I asked for help. I asked for help so I don't lose my home, and Bank of America has made my life a lot harder because now I can't get a bank to refinance because on my credit report it shows that I don't pay my mortgage!!!

Please help me with my situation, please. And I do have my proof of payment on time... So please help me.

The borrower is told a callback appointment has to be scheduled. They schedule the appointment, but then are told to allow 2 hours for the CRM to contact them... an hour before or hour after. WHAT IS THE POINT IN SCHEDULING A DAD GUM APPOINTMENT THEN??? Isn't the whole point of making an appointment is so that they call you at the time requested?? The CRM never calls the borrower back. The borrower calls back to speak with either CRM or CRM manager. The borrower is told the issue has to be escalated. The issue is escalated SEVERAL, SEVERAL, SEVERAL times and nothing is ever done. Therefore, the borrower is denied loan modification - possibly faces FCL when the whole time BOA has received all the info/docs that had been asked for.

I used to work for BOA and they do scam their customers/homeowners. Writing a letter to the Office of the President, asking to speak with a manager or the "head honcho" isn't going to work. Once escalation process has been done, it pretty much gets pushed to the back. Really, the only thing you can do is AS SOON AS YOU CALL IN and a rep answers, IMMEDIATELY ask for a manager and state that you are in the process of obtaining an attorney and you are contacting all of your local media (television, radio, newspaper). The rep will not be able to speak with you at all. They will immediately have to ask to place you on hold and get their manager. And also for the record... the rep is only allowed to place you on hold for 2 MINUTES. They have to check back in with you at 2 minutes (they do have timers pulled up on their computer).

April 16, 2012 I submitted a new modification request, signed for by E. **. June 2012 a new contact person calls to say they never received my (3 pounds of paperwork) modification request, send another by June 21, 2013. I did, by fax, including taxes, pay stubs, etc. I get a new request for tax information by July 26 2013. Seriously?

All I can say is complaints haven't worked. Letters to the CEO didn’t work, letter to the President of the USA, politicians, nothing. Letters to bofa spokespersons, board members, no answers. The banks, the bond insurers have all been restored financially. When do homeowners get relief? Why is this type of service by any business considered acceptable behavior? I have eliminated all other forms of association with this bank, but I am stuck with them until something changes.

I plan to keep my home. I have two attorneys, one class action and the other personal. I don't know what else I can do. The strangest part is there is a Bofa home mortgage branch in my town. I know if I go in there, they will not be able to talk to me, but this should be able to be a sit down hash out meeting and be done with it.

Sheri called and said I've been denied because I hadn't provided proper paperwork and the SAME packet was sent to me. I explained I had sent them everything already. She said she would send it back to underwriting. A week ago I received a letter saying they were sending someone TO MY HOME to collect the paperwork (that they already had). I refused to deal with their representative. I just refused his calls. Today they (another rep named Virginia) called to tell me again that I've been denied. They asked if I could make a payment and I told them (truthfully) no. She asked a couple more questions and I told her that I already submitted all the requested paperwork. She said she would consult with my regular rep, Sheri, and have my file sent back to underwriting.

I am certain they are just playing silly games, and expensive ones as well. All the letters and paperwork they keep sending me to complete are always sent FedEx. Who's paying for that? All the papers and letters they send are via a third party and BOA has no control over them, so I am bombarded with the same letter, same request and threat of denial. I am sure they have no intentions whatsoever of helping me retain my house. I am fed up with their ridiculous game of paper chase and contacted an attorney today to see what I can do. Right now, I am considering walking away from the house altogether just to be free of their constant harassment.

They said they were going to foreclose on me. I asked when they were going to do that, concerned I may not have a place to live with the 4 of us. They said it could be anytime and I would have 48 hours to leave when they posted a letter on my door. Being concerned about our future, I began trying to figure out what to do. There is no way I can work, not then, not now. I've had a stroke and have had a tumor in my spinal cord. I'll never be able to work again. I moved us 45 minutes away to a small 2 bedroom place (my house is 3-4 bedrooms). My oldest moved out right away, too crowded, we got rid of several of our animals. My younger 2 moved within a year. One comes and stays when I need help. I've kept trying to work with Bank of America. All I got from them is they would call me back within 72 hours. It never happened. I had read that if I had an FHA mortgage, that I may be able to go through with a modification with the FHA.

I talked and sent them my paperwork. I found out that my paperwork WAS in my file from BOA. So they DID receive it!! I was so mad! So it seems they got the grant from the government but aren't helping anyone! So anyway, the FHA wasn't able to help and said they were sending it back to BOA and that there were new programs that could help, one that lowered the interest rate and lengthen the years of the loan. So it went back to Bank of America and it was the same old story until about 6 months ago when one of them called and was all into helping me. So I sent my paperwork again; she said she didn't get it. I sent it again and still she said she didn't get it. The last few times I spoke to her, she was really rude. She wanted me to sell my house in 60 days and they (BOA) would have 90 days to decide on the modification. So I said, "Well, if I sell it in 30 days and you decide in 60 that I qualify, then I can't have my house." It made no sense to me whatsoever. She would yell at me, scream, and be extremely rude. It was horrible, I'd get off the phone crying. I just want my house. I'm afraid to move in and get kicked out.

So they sent this paperwork to me saying I could cure my default by paying $23,420.02 by March 16, 2013. I owe $63,000 for my mortgage. Along with the letter about sending all that money, they also sent a paper called "Approved housing and urban development loan counselors for New York State". I called the one for the county my house is in (Oswego county) and she said that because it's Bank of America, she can't help me and said to call a number and leave my information with the "Hope loan port". So I called there too and there was no answer, just a message and no place (port) to input my info. I've talked to a woman that works with people with their mortgage problems and she says, "Sorry, I can't help." She said, "It's Bank of America and I can't do anything with them."

I feel like Bank of America is just laughing at me, like, "Sorry, Lori, but we are going to foreclose on you no matter what." They're also charging me over $2,000 in insurance a year too. That's outrageous. I was so proud when I bought my place and so hopeful that I would get better so I could go back to work. I just wish they would look at my paperwork, really look at it, like open my file and look at the numbers and see if we can work things out so I can live there. If they foreclose, they're not going to get what I owe on it. I bought it for $65K and rolled in closing costs. If you know of any way I can work with anyone to get back home, please let me know.

Shortly after Countrywide was bought out by Bank of America, we received a foreclosure notice on one of the loans (I think it was the small, not for 15 years, that was less than $100.00 per month). I called the provided phone number and was told they could not speak to me about her loan without a letter being sent signed by her giving me permission to deal with them. We sent the letter that my wife signed and they began to deal with me on the issue. I was told we were way behind and I would need to send a certified bank check for around $6,200.00. I sold some stocks I owned and the check from that sale came ironically from Bank of America as the company handling my stocks used them for banking.

I went to a BOA branch and cashed the check. I had to leave my thumb print and get my picture taken in the process. I was issued a BOA certified bank check for around $6,200.00 and mailed it express mail and included a written request for a review of the accounting. A few days later, I got a call from the case worker who seemed excited to receive my certified bank check for around $6,200.00. I was told that I had slightly overpaid on my/our loan. Remember there were two loans and this was only for one of them. The Countrywide case worker said that I would not receive any statements for two months due to my having overpaid. I asked about the review because I did not agree that we were delinquent on the loans or even on one loan.

Two months went by before we got anything regarding our home loans. I never did get any more information about the review I had requested in writing. After the two months passed, I noticed only one loan statement in my mailbox. To my horror, it had a BOA logo and a slightly different look than the statements we had been sent by Countrywide. Two days later I got a foreclosure notice from BOA on the other loan. It only had a single point of contact that was an 800 number. I called and got a call center with lots of noise from all the other collection workers, just like a boiler room that does credit collections. I was told they would only deal with my wife who was by then not able to carry on a conversation with them. Although she did say they could let me handle it all. I pointed out that we already sent a letter of authorization and that I was told it was put in our file.

Well by now, unless you just woke from a deep sleep of several years, you know the kind of terroristic runaround I got. It seemed like each call I made went to a different call center and no one would deal with me. The following March, BOA foreclosed on that one loan and was sending me payment statements on the other. Sometimes I would not even get that statement and then one or two months later one would appear in the mailbox. I noticed that the letter stating that my home had been auctioned off on the steps of City Hall had a phone number of the lawyers who handled the foreclosure sale. I called and they were very hostile to me on the phone, but they did answer one question I posed to them. I asked who bought my home at auction. I was told it was an investment firm or holding company. I asked if that company was affiliated with BOA and was told it was owned by BOA.

When we got the home loans, we made sure that we personally paid all the insurance except the $250,000.00 life insurance policy on my wife that was required by the lender - that was factored into the payments and paid by the lender (Countrywide). We were living in fear of an impending eviction, so I moved us into a small two bedroom apartment near our home. I continued to make payments and renewed all of the insurance for another year. Then I got a letter from BOA telling me my monthly payment on the one loan they were still sending statements for was going to increase to cover the insurance BOA was providing for our home. Yet another breach of our original contract with Countrywide.

I continued making calls to the various call centers and got nowhere. Around the end of December, I got the foreclosure notice for the second loan. By March, the home was said to have been auctioned off, but not before one call I made resulted in a request for me to send over $12,000.00 to stop the foreclosure. Although the person requesting I send the money was not sure it would stop the foreclosure. How stupid did BOA scammers think I really was? I don't know, but there was no way I was going to send them another dime.

We were evicted and moved to a rental house where I was able to fit most of our possessions. My wife's condition continues to decline due to Alzheimer's and I do my best to make ends meet while staying home to care for her. A friend of ours bought the house at a big discount and loves the place. I showed him where our wolf/husky mix was buried and he understands that is sacred ground. We no longer have a home, are out all we have paid and my wife has no life insurance or chance of having any as she is dying of Alzheimer's. Is there anything more terrifying than living in fear of losing your home to criminals who use profits from theft and our tax dollars to buy elected officials who claim to be Americans?

I suggest anyone having similar problems to contact their DA also. Most are involved in the Home Affordability issues and have the personnel to offer assistance. We also stopped making payments, instead putting an appreciable amount in savings pending a resolution of the matter. They cannot foreclose if you are actively seeking a modification. The original loan was Countrywide and includes a second mortgage.

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 sent 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 inquiry 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, the FedEx that was sent, who signed for them, and every little word that was said. I have a file; it must weigh at the very least 75 lbs 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!!!!!

I have no hope whatsoever of ever receiving that packet and have no idea what to do next. These people are about to foreclose on a family with a young child who has simply gone through some rough times (my wife was laid-off at six months pregnant) but are otherwise perfectly willing to jump through the hoops to have a couple of hundred bucks a month. Horrible liars, horrible people.

Finally one day, someone else called and ask about what I had submitted and said that, "Everything was in a mess." I have still not had a closing date and I'm still being asked to submit things that were submitted months ago. I do not know the "new" loan officer that I am dealing with and she is stating that I have not submitted things that I already have. They have charged me for an appraisal fee of over $400 and also a fee of $20 that came out of my account for whatever reason. They tell me that if they deny my loan, I will not get a refund for this even though they initially approved me. I am disgusted and I hope that no one else falls into this "money" trap. I believe that this is wrong financial practice and I am wondering if it is illegal. I really don't know what to do. Thank you.

Well today we had someone stop at the house with an envelope and told me to call. I called... didn't go to Warren. I went to call center and asked me when I was paying $11,000 in back payments??? What? I said this is under modification and waiting for an answer... They stated that it was denied because 3 months ago I was mailed BOA paperwork again for a third time... And when I called to ask Warren about it, he said that comes from another agency and they already have all the paperwork they needed. Well, today they stated because I didn't fill it out, that the BOA paperwork has expired and now need to start all over again!!!

I was in tears... I can't take this any longer. I'm seriously thinking of driving to Illinois (we have no locations in Wisconsin) and sitting in someone's office until I get an answer!!! Let me know what you think...

Elizabeth, no last name given, said she would be in all day, Saturday, June 15th, and for my friend to call her then. My friend called 4 times and never got a live person, even though it was Elizabeth's direct number. This seems to be more of the same BOA crap and just another branch that does worse than the parent company, if that is possible. We need congress to crack down on BOA and get results, rather than let them play these games in hopes of securing property through foreclosure by avoiding contact until dates are past.

It is a joke that they received all that money from the government for bail, and they are not helping the people! I cannot tell you how many people have talked to about this and all have said they had the same problem with them - some that had other banks said it was a breeze. We have a second on our house, and I just called the bank and no problem, dropped the rate and signed a few papers and was done.

When calling other places because we filed bankruptcy last year, they say they cannot help but Bank of America our lender should be able to - well FAT Chance of that happening! They drive you crazy with their requirements so that you will just give up! We have to work and cannot sit and wait for a call all day; and when we have been home and tried to reach them, no luck. Then one time they called me at work and it was not good because my boss was not happy with my personal call at work. If we do not work, we cannot pay what we have and we struggle every month because we thought my husband would be working full time by now, and he is not - only at the most 3 days a week.

It has been a rough few years, construction is down and so he is not working as much. And I do not make that much working at $16.98 an hour. Bank of America is an evil empire!! And they know it. They act like they want to help you but they do not!! My husband got so fed up with them yesterday after they asked for the same form again that he had a few choice words and said, “Forget it. The stress is not worth it.” So hopefully we can continue to hang on. Thank you for having this site.

I started getting strange calls from BOA’s Office of the CEO or President asking me to verify my personal information, SS#, home address etc. I refused to give personal info over the phone to a strange person claiming to work for BOA. The callers said I would not get my loan released until I verified myself...and they called me!!! A release of mortgage lien would be routine anywhere else, but BOA has to hold their big corporate clout over your head and be difficult on everything. I simply want to be done with this ridiculous institution. I want an official release of mortgage which is due me for paying off always on time and as agreed.

My house sold in late April and I notified BOA. Their response was to turn my account over to an aggressive collection agency (IC System) that began to call and harass me. My husband finally spoke to Vaughn **, a BOA Customer Relations Specialist (who handles accounts in arrears). Mr. ** said that BOA was entitled to try to collect until they received a Cease and Desist letter. I faxed and mailed a Cease and Desist letter to BOA on May 15, 2013. The letter included details of the sale, including Closing Date and my attorney's name and phone number. BOA ignored the letter and continued to have their collection agency harass me. BOA also continued to send me mail about my delinquent account. BOA had their foreclosure specialists call me about refinancing the house?! And BOA sent someone to my house to post a delinquency notice on my door - twice in the past 2 weeks.

The last straw came today. The mortgage is 3 months in arrears (April, May and June), but the house is sold - closing to occur in 2 weeks. BOA sent a man to post another notice on my door. My husband was in front of the house and asked to have the notice handed to him instead. My husband said that the house has already been sold and pointed to the sign in our yard. BOA will have all of their money in a few weeks. The BOA agent refused to hand the notice to my husband and got into a screaming match (exchanging obscenities) on the front street. My husband grabbed the notice and tore it up. The BOA agent told him that he would file a report with BOA and that there would be trouble.

I got home a few minutes later and immediately received another BOA collections call. Bank of America treats their customers like garbage. If you are a BOA customer and don't know this, wait until you fall behind on the mortgage. I have done everything I could to pay BOA in a timely fashion, including the sale of my house. I have called, emailed and faxed BOA about it every step of the way. But I have been threatened, harassed and humiliated by BOA. I know that what they are doing is against the law. I am furious that they get away with it.

I want people to know about BOA so they can avoid this company if possible. BOA violates the law by harassing customers and violating debtors' rights. I'm fairly certain they do all of this (despite my notes about the sale of the property) to run up baseless charges that they can tack onto my mortgage.

We were able to get our home modified because we were able to prove that they had some shady practices and instead of going to court they settled and modified at a lower rate. This is the same payment schedule we had before the modification but we never received these calls before - they started about 3 months after we signed the mod paperwork. We already don't trust Bank of America and now we just can't stand the whole banking system. Still having issues with our second and it's the same BS as when we were dealing with BofA, just big corporations looking to make a profit. Thanks for letting me rant and rave about B of A... I know that there are others out there that are going through the same thing. I wish you luck and patience when dealing with this corporation.

We talked with an accounts manager with a foreign name and he told us the same thing everyone else in here has been told, send paperwork. The only problem I had with this is when you send the paperwork and it is not what they need, they don’t call you and let you know. I was told each time to call back after 72 hours. This went on for about 6 months and I finally got the call I was waiting for. DENIED reason: the home was unoccupied. (I told them from the beginning.) My wife and I chalked it up to a loss. In September 2011, my orders ended and we moved back to our hometown and lived with a friend of ours. In late October 2011, we contacted BofA and found out we had a better chance of getting the modification if we were living in the home, so we had all of our utilities turned back on and moved back in.

In mid December 2012, we reapplied for a modification. The same thing happened, send paperwork, wait 72 hours, call BofA, send the corrected paperwork, repeat 5 times. You get the picture. In March 2013, we get the second denial. Reason: We don’t make enough money. Well, come to find out, I forgot to send in my pay stubs from the National Guard and in the meantime, my wife got approved for disability. So what do we do? Re-apply for a modification. This is in March 2013. On May 7th, 2013, I get a phone call while traveling. Hey, the modification was approved. The only thing is my payment goes up $200 a month. No big deal, we have some money saved. We will just pay off my wife’s car and make up the difference and at least, we get to keep the home, right? Wrong.

I received a call from my account manager the Tuesday after Memorial Day, stating she was sorry but she jumped the gun. The investors denied my modification. I can’t tell you how many times I was asked if I wanted to do a short sale or whatever it’s called. There has got to be something that can be done to this company to make them shape up and do business the right way. I know that when someone misses a payment, the bank gets money from the insurance company. If anyone knows or has any idea how I can handle this situation, please let me know.

I called on Friday to check on the status to be sure it was in process as promised. I was told they couldn't verify a check would go out and the overnight process really is two days. I called this morning and was told that I had to wait for escrow funds to be redeposited in order for another check to be processed. If I had asked for a duplicate check, it would have been processed immediately. So this will delay the check at least a week. Really, what is the difference of issuing a new check versus a duplicate check? BoA doesn't have enough money available to them to return our funds of $3,200. SERIOUSLY??

When I asked to speak to a manager, I was told that wasn't possible. Again I had to wait for the funds to be redeposited. How sloppy can you get? This is one of many reasons that we will never return to this institution for anything. If it was a payment they were looking for, they would be calling nonstop and tacking on fees. Shame on you BoA!!!

After following each step outlined in the letter and talking with their attorney's office, I sent all paperwork and check in the appropriate time frame to take advantage of the Right to Cure. I was told on Friday, May 31st, that the check was being returned to me due to the fact that it was not the right amount and the attorney fees had increased. After contacting their attorney that same afternoon, the attorney told me they cannot do this, but always try. I have faxed more information to them than I would ever have to imagine doing, and the plain fact that they take full advantage of everyone's situation, we are being exploited by them. This is absolute madness! I was also informed by Bank of America rep that I needed to pay an extra $2000 along with the check they returned to me in the course of 6 days.

After going through all my savings and 401k, I had to file Bankruptcy in 2011 and was able to stay current on my mortgage the entire period. I was still calling every month inquiring about a modification and still being told that my lender was not participating every month. Late in 2011, I missed my first payment and then when I called about a modification, I was told that my lender still was not participating but I could call HUD. Why I was not offered this in the beginning, I have no idea. I called HUD and qualified for the Hardest Hit Fund .This ended in 11/12 and I called BOA in 1/13 and asked about a modification and was told since I was current that it was unlikely that it would be approved but he was surprised that the second was not forgiven.

I completed the review anyway. I was told I qualified and sent in the paperwork and I was told it went to the underwriters. About a month later, I got notice that the second was sold to SLS, how convenient! When I called about it being sold, I was told by my account manager, "That's too bad because if it would have been in the next step, it would have been reviewed together". I made the next payments on time and called every week for an update. BOA just kept asking for more documentation and most of the documents they already had. I was contacted by another lender saying they could do a refinance because I was current and had a credit score over 620. I told them I was in the middle of a modification. Why did BOA not offer to refinance when they knew this modification was never going to go through?!

So 5 months later with no progress, I filed a complaint through OCC. Wow! Within days, I got a response and a decision of denial stating that they did not receive documents they requested. THIS IS A LIE! I called and was told that mistakes were made and I could appeal. Within a few days, I received another letter stating that they made a mistake that everything was received and they would start the review again. Within a few days, I received another denial stating that my income was greater than the 25%-42% guidelines. BOA knew this when I completed the review 6 months ago! I was told that I was not a priority because I was not that far behind and they had to be sure that they were in danger of not getting paid.

One other thing I find discouraging is every modification example I can find is for houses that are in the $1/2 million or greater range and the bank has written off more than my house is worth, but they are not willing to lower my 7.025% interest rate. Unbelievable!

Anyway, I had to resubmit my bank statement and my school transcript, because I have repeatedly told them that I didn't work that year because I was in school. There had been many phone calls, voice mails, and emails to both the loan officer (and the loan officer's manager) AND the loan processor (and the loan processor's manager) regarding the case. I have to keep pushing the date back due to "incomplete" paperwork. They finally called me back and told me they just sent my file over to an underwriter and started the underwriting process (3 days before the closing date), which will take at least a week to complete if everything goes smoothly.

When I raised the question that I was not responsible for the fees the seller charges me, which is $75 per day if not close on the designated closing date, my loan processor said that the max they will refund is a $50 gift card (if confirmed). I have to wait at least another two weeks (if all goes well) before closing. I will have to pay at least 13 days of $75 each day. That's $950, and I'm still not sure if I can close on that day. I am still waiting for this stupid loan processor, Ranneshia **, to process my loan. I am a first-time home buyer, and I made a promise NEVER to apply for any loans from BOA. They are the WORST of the WORST in customer service!

Needless to say, your incompetence is going to cost me hundreds (I hope it's just hundreds...) in penalties to the seller of our new home. I am just praying that this delay doesn't end up costing my family our new home. I have since been notified that all of the real estate agents involved in this transaction plan to stop accepting clients and offers from individuals who plan to use Bank of America.

In February I was put into a different dept and assigned a personal point of contact. This lady hung up on me 3 times and giggled as I tried to get her to take my payment. She said she couldn't and I'd have to pay through the BK dept. I explained that it had been discharged and I was ready to pick up with payments through this new dept. For the next 2 months, I called in to make payments. They kept asking me if I wanted a loan modification. I answered yes, but still needed to make payments. They sent me 4 loan mod packets even though I'd already sent them all the info they said they needed.

On March 27, 2013 I received a letter of Intent to Accelerate Foreclosure and that I had to pay $9,142.01 by May 6, 2013 or they would proceed with foreclosure. Again, I called to find out where all the payments I'd been making went. Since BK, they locked me out of my online account and haven't sent anything to show the status of my account. I asked for them to send detailed info every time I called. On April 22, 2013 I made a $5K payment by phone and promised that I would have the balance by the due date of May 6. Out of frustration and desperation, I hired an attorney to conference call with me on May 3. The call lasted 1 hour and 52 minutes!!!

We were run from dept to dept and told that they could not speak with an attorney. What? Finally, she did speak with us, but said that now I owed $9K+. What? Where did my money paid go?! The attorney asked about the foreclosure. We were told by all dept that they had no record of a foreclosure letter being sent. The attorney assured them that one was sent. At the end of almost 2 hours, we did get a man named Dominic to take my money with the assurance that it would bring the account current. I have a confirmation number. Now, once again, I'm getting threats to foreclose. I should be paid in full according to their own agent. The scant paperwork they've sent doesn't reflect the payments.

I've communicated with several other B of A customers who are interested in putting our collective monies together and hiring an attorney - an aggressive attorney! I am so willing to put effort, time and work into this! Right now, I stand to lose my home and am just damned pissed!

P.S. Recently I got the itemized statement I'd been asking for. It shows amounts other than what I paid and what they drew being put into a miscellaneous account, not towards my mortgage. And now I'm getting nasty VMs again from them saying that my account is delinquent. I fear making more payments is only going to feed the misc account more, but not making payments will bring the promised foreclosure.

So basically, Bank of America has "breached" my Permanent Home Loan Modification! Nobody ever gives me an honest answer, just the runaround! My case manager today, May 28, 2013, just keeps calling me to tell me that she does not have an update for me and they (BofA) refuse to send me any records of our phone conversations/emails/progress? This Bank is so far out of touch and they lie and purposely lose items, documents, cashier's checks, quit claims, etc. Something "has" to be done... Help!!!

Example: On 11/26/12, BofA received my Permanent Home Loan Modification Documentation which was notarized and sent with my Cashier's Check for the New, Permanent Modification amount. The FedEx envelope was signed for and they scanned all of my documents into their system, "except" they "lost" my attached cashier's check. This was not told to me until a day before the permanent modification check was due... I had my receipt copy and that was proof that they made the error. It took BofA 3 months to reissue my funds even though the Cashier's check along with my mortgage were both with BofA??

They literally and deliberately try to time things to go against you. I have so many examples, it's sickening! Just like now, if they fail to have my Permanent Home Loan Modification signed-off/closed in Post Closing by 6/3/13, I can kiss my chances of it ever happening! The chaos carried over to the new entity would be unthinkable... Help!!! All of the hell that I have gone through and that my family has gone through cannot be explained or understood in a few words... You have to live it to understand or try to understand the incompetence, the lies, the manipulation, the false hopes and blatant disregard to help people in need.

American taxpayers bailed this bank out and many more, but they do not want to help us out. It's a one-way street and the rich get richer and the poor get poorer!!! One more example, in April 2010, while my wife was having a biopsy to determine if she had cancer, I was literally on the phone with BofA for more than 4 hours and they transferred me to over half a dozen departments!

I called Bank of America and spoke with several people. I received a call back from my account manager, William **, who stated they'd found my paperwork (it had been scanned into their system). I was assured everything had been taken care of. Unfortunately, I received another extremely urgent letter dated 04/19/13 of "NOTICE OF INTENT TO ACCELERATE AND FORECLOSE." It stated I needed "cure" to the default by 05/29/13 or the foreclosure proceedings will be initiated at that time. I immediately called Bank of America and was told I needed to talk to my account manager, William ** (I've had numerous account managers since this ordeal began). Mr. ** called me the next day and advised me that my loan modification needed to be closed out, and then they'd relay that info to the Foreclosure department. He stated that he would submit an escalation request to have the case closed.

I also received a similar letter dated 04/27/03. But when I spoke with my account manager, he assured me I would not be in danger of foreclosure. I also received a letter dated 05/01/13 to contact NCCI that could help me "collect documents that will help us review your loan and assistance options." I spoke with NCCI and advised them I was in loan modification and therefore did not need their assistance. I received a certified letter on 05/14/13 that was dated 05/8/13. This letter stated I needed to make full payment by 05/23/13 with the same threat. I again called Bank of America and spoke with someone in Customer Service. I was advised that I needed to contact my account manager, Mr. **. I spoke with him and he stated he'd submitted the escalation, but would follow up with me within 30 days on the status of closing of the loan modification and notify the Foreclosure department I was not in default.

That was 2 weeks ago. I returned home on 05/25 and found that my house had an orange tag on it marked, "IMPORTANT: Please call Bank of America 1-800-669-0102. Please be ready to give your account number. We are expecting your call today." The 25th was a Saturday so when I called, they were closed. I am naturally very alarmed at this point. Every time I've called Bank of America, I was told that even though I was approved for loan modification and had been making those payments, the Home Retention Department had not communicated with the Foreclosure department of my approval. I had requested several times to talk to someone in the Foreclosure department and was advised they don't take calls.

I made every call on my cell phone and have the exact date and time of each call. In addition to my fear that I'm going to lose my home, I have some serious health issues. I was diagnosed with breast cancer on 10/09/12. I have had 3 surgeries and am currently undergoing chemotherapy. I also have epilepsy. I am also a widow. My husband died unexpectedly in 03/2006. These other issues have made the foreclosure threat even more nightmarish. The right hand doesn't know what the left hand is doing at Bank of America.

On the news, I have seen reports of other people in my situation, but the problem was not corrected in time and several people lost their homes. Later, Bank of America acknowledged their mistakes, but it was too late. In desperation, yesterday I emailed the Utah Attorney General's office, HUD, 2 state senators, the rep for District 4, KUTV's consumer advocate Matt Gephardt. Judging by the thousands of complaints, I'm not alone in dealing with BOA's incompetence and outright lies.

When the first one came due, the funds were still in our account. I called and they kept saying it has been processed and will be out in 5 to 7 business days. Well guess what? It was not, so I called everyday. I was told the wrong code was put in, but will be fixed, and the fund will be taken out. Well after 2 weeks, I had enough and I filed a claim. I was then told that Bank of America was sorry, but we did not qualify for the payment plan. They told us it was their mistake and they were sorry. Okay, well now we are told again that they were going to put the modification back through once more. At this point, we are very upset and worried we are going to lose the house.

We are now assigned with another case worker, who is out of Chicago and back to square one. So we decided to get the full amount that we owe Bank of America and send all of it to them. We did this through our bank and overnighted to them on May 17th, 2013 (the way we were suppose to). Guess what? They still do not have our account updated nor have they processed it as of yet. We are so disgusted with Bank of America and ashamed that we have to have our mortgage thru them! I have tried to contact higher authorities so that someone could help us get our mortgage back on track. We are always directed back to the same case worker who still has no answer for us.

I can't understand how people can send a bank money on time when asked, but they can't process it so we can get our loan back to normal. Why is it that you can only talk to customer service and no one with higher authority there at this bank? Please, if anyone knows how to contact the CEO, chairman or CFO, please help! This is a nightmare that I just want to go away.

On Tuesday, May 21, 2013, I got an email from a company called Nationstar Mortgage. I have never heard of these people and I had not received any notification from BOA regarding my mortgage being transferred to this company. I believed this must be a scam, but I was concerned that they had the last 3 numbers of my BOA account number. I sent an email to BOA with these concerns. I have not heard from them as of this time. I have ordered my credit report. I am concerned that BOA has affected my credit score even though they have 5 payments well over $4,000.00 in advance payments credited to my account. I now am also receiving numerous emails and letters in the mail regarding poor credit - to fix it or to refinance.

I don't understand what's going on. I think, but am not sure, I had a problem with BOA when I assumed the mortgage after my divorce on another home. I have, unfortunately, no documentation from that event but I do have a folder in my credit and mortgage file that has never done business with company written in huge red letters. Unfortunately, when I bought this house in 1985, I financed with Wells Fargo and they sold my mortgage to BOA after many years. I have never missed a payment and I have never had a late payment. In fact, I pay my mortgage at least a week in advance of due date - always have. So I do not understand why I am being punished for paying my house note in advance.

Original Review: May 21, 2013

My fiance and I have had one problem after another getting this loan finalized. To provide a bit of background for you, my fiance and I first filed our paperwork three months ago. He had no problem whatsoever with getting pre-approved. We found the house we wanted and the paperwork started. At first, things seem to progress smoothly. We had regular packets of paperwork to fill out. We thought we would be closing on our agreed upon date. Additionally, you should know that, we did not close right away because we wanted to pay 20% down to avoid PMI. My fiance closed out some investments. I closed out my teacher retirement from a state I no longer live in. That caused a delay because they lost my paperwork. Once we got that squared away, we let the bank know a week in advance when the check would be deposited, so that they could start doing their paperwork... whatever that was. We assumed, our first mistake, that someone was doing their job at Bank of America.

Monday, I put the check in. My fiance notified the bank. Wednesday was our closing date. All relevant parties knew it. We were told we would be closing at 2pm. Then, Wednesday at 11am, my fiance was called and told we couldn't close because they wanted a statement from my bank account with Chase signed by the bank manager. They then told us, "Oh, Gee, so sorry... no closing today. You can close on Thursday, probably." Thursday came and went and no closing. I took care of the paperwork which arguably could have been requested Monday or Tuesday, or earlier. We thought we were on track, but our realtor told us to stay on top of them to make sure work was being done. Really? My fiance and I already have full time jobs. We are supposed to babysit someone else to make sure they do what they are paid to do?!

However, that is exactly what my fiance, our realtor, I tried to do. I don't know how many people I called and left messages with, but I know that no one ever returned either call our realtor made; and it was pulling teeth to get anyone to ever call my fiance or myself, unless they wanted something. Friday morning, our new closing date, around 11, my fiance was called to get some balance on a brokerage account. Okay, we thought everything was still fine. Then something else blew up around 1 or 1:30. We got that straightened out. Still no word that anything wasn't a go for 4pm. At 3:30pm, I was concerned because neither of us had heard anything. I got a hold of the first underwriter's boss who I had been informed had our paperwork now to "escalate" it. When I asked her about our 4 o'clock closing, she replied, "Oh, no. I know nothing about a closing today." Her nonchalant tone, indicated that she could care less when and if we ever closed. I was so upset at that point.

I hung up and called my fiance. He was distraught. He thought everything was a go and was packing up to go to closing. I tried to call our broker to see what, if anything could be salvaged from this wreck. "You can close Monday afternoon... probably." I told him to keep processing the loan, but that I wanted to file a formal complaint. Oh, but the hits just keep on coming. Despite the fact that we have had several failed closing dates, apparently they are suggested dates for BofA, the sellers stuck with us. Monday, we were told over and over that we would probably close at 4pm. What a laugh. Ten or twelve phone calls and emails later, I found out that the boss's boss had the file to finish it, but no closing again. "Tuesday, you should be able to close if the closing department and title can get their paperwork done."

I no longer believe Bank of America will ever get it done. I don't believe their employees care about their customers. Here is an interesting side note. One of my students heard me speaking with a teacher about our "fun". He said, "Our family hates Bank of America. They messed up our home loan. My parents and I hate them!" One of my other acquaintances guessed who we were getting a home loan with. How, you may ask. She, too, has a home loan with BofA, and they have repeatedly messed stuff up for her. I doubt BofA cares. I doubt this will change anything. I will say... "Buyers beware!"

On November 14th, 2011, we received a letter stating that our single point of contact is Seneca **. The letter includes that she will work with us to review our individual situation and decide which programs work best for our situation. On December 14th and 15th, we received a letter from Titanium Solutions stating that they will be sending a representative from Titanium Solutions Inc to collect the documents that will help with the review process. I called Titanium Solutions and they had no record of anyone scheduled to come to collect documents. (Please note that we received packages every other day for months from Bank of America stating the same information over and over again, and I do have proof of this claim.)

On January 31st, we received another packet stating they had reviewed our request for the modification loan and we were declined because we did not send the documents they asked for. In this letter, it also suggested that to avoid negative consequences on our credit, we could do a short sale or a deed in lieu. To comply with Bank of America, we attempted a short sale with Area Properties on May 15th, 2012, selling price at $95,000, and no interested parties. On March 15th, 2012, we received a letter from Bank of America stating in accordance with the terms of our home loan agreement, our property has begun foreclosure proceedings. As of April 2nd, 2012, we started getting notices of trustee deed of sale, in addition to a letter stating that our lender has decided to sell our property because the money due on our mortgage has not been paid. Company name is Recontrust Company, N.A. Again, we received multiple letters stating the same information about every other day.

On April 17th, 2012, we received another letter stating "In order to proceed with your cooperative short sale, please return this form no later than May 4th, 2012," and we did so. On June 7th 2012 and on July 12th, we received a letter from Bank of America stating "We are reviewing the loan modification process, however, we need additional information. This program is introduced by the US Department of Justice and the State Attorney General Global settlement." (Please note the information requested was the same from the beginning and I indeed have proof of fax correspondence) On August 3rd, 2012, we received a letter from Bank of America stating that our request was not received in time to complete a review prior to the foreclosure sale. Consequently, the foreclosure will proceed as scheduled.

On August 10th, 2012, we received a letter from Bank of America stating we have been approved to start a trial period plan for the new modification program as a result of the US Department of Justice and State Attorney General Global Settlement. The offer is as follows: This modification program includes significant principal reduction and an affordable monthly payment. If you complete this trial period plan by making all of the payments as outlined below, any past due late fees will be waived, interest and advances that we paid on your behalf will be added to your principal balance, and your loan will be brought up to date. We will then permanently reduce your principal balance by the amount of $83,884.16. In addition, we will reduce your interest rate to 2.0%. The period plan is as follows: September 3rd 2012, $566.33; October 3rd 2012, $566.333; November 3rd 2012, $566.33.

I began my payments on September 6th, 2012 and every month thereafter on the third of every month, complying with the agreement. The letter also stated that if we complied with the agreement, our final documents would arrive by the end of November 2012 and the agreement would be settled. Moreover, three copies of the permanent documents would be provided. On November 13th, 2012, we received one copy of a trial modification agreement. We were to sign and date and return which we did. Then on January 8th, 2013, we received another modification letter stating, "As the date of this letter, we have not received your signed modification documents. (We sent them back on November 14th, 2012.) We want to ensure that you are aware of this offer for a permanent loan modification and have an opportunity to accept it. We would like to remind you that a payment modification under this program would provide you with principal reduction in the amount of $88,828.59 and a low monthly payment of $607.67." This is not what the first offer was and they wanted documents signed and returned, there were no packets to sign.

Through this entire process, I kept in contact with Bank of America weekly, and I heard the same thing over and over again: it is in the system or some would reply as it is not in the system. Please also note these are the multiple representatives and this is just the ones I can recall off the top of my head: Stacy **, Mary **, Lamurial **, Belinda **, Paul **. Due to my frustrations and incompetency of Bank of America, I filed a complaint with the BBB on February 26th, 2012 and March 1st, 2013. I received a letter from Paul **, who wrote the letter stating that he went through our case and showed inconsistencies of what my complaint is. I told him I would gladly provide proof of the correspondence that he stated we did not comply. Mr. ** has worked tirelessly on my case and every time he approaches the closing department, they tell him to wait and that it is in escalation. We spoke weekly and he has been the best representative I have dealt with. However, I am sick of the incompetence of Bank of America and the lack of concern for their customers.

I am on disability for severe anxiety, post traumatic disorder and bipolar 1. This situation that has been occurring going on two years has hospitalized me and caused me to up my medication doses to ridiculous amounts. I also have medical records to prove this as well. Mentally, I cannot take anymore and I am seriously considering an attorney for emotional, mental damages. This may sound ludicrous, however, I want Bank of America to write off my loan. I only make $776 a month and I have a payment of $566.33. I am grateful for the lower price, however in the end, I am still paying for the entire loan that this house, and I quote from a Bank of America appraiser, this house isn't even worth $40,000. I cannot keep going through this and I will not lose my home because of a bank's incompetency.

Please resolve this issue. I feel as though Bank of America is money hungry because they cannot manage the people's money and needed a bail out. It is sickening how many houses are vacant because of bailouts and foreclosure-happy, irresponsible banks. Moreover, it makes me sick that the presidents of these banks are sitting pretty while people like me suffer from fear that our homes will be taken. It is now May 20, 2013. I received a letter stating that I owed an additional $738.60 on my payment from February 2013 because my payments are $1,453.79 a month and I owe $22,506.04, and this is the amount I need to pay in full or foreclosure proceedings will begin. I have two filing cabinets full of documentation from Bank of America, proof of our cooperation with everything they have put me through and I now yet have another account manager and Friday, May 16, 2013, I received a letter stating I have another case manager. My modification loan has been in escalation now for oh about 5 months and I keep getting the same story that they are told by the closing department to just wait.

Again, our final modification loan papers were to be delivered by November 30th, 2012. And yet still no closure. I have made complaints to the Attorney General, Federal Reserve consumer help and three additional complaints to BBB. Nothing has been done on my behalf! I am now currently seeking legal advice from Social Security Disability and seeking other attorneys that will help me with this since no one else seems to care. I want my loan paid in full or excused and/or compensation for mental anguish. It may seem silly to ask for such a thing, however, I have suffered from the beginning of this fight. My mental health is completely airy and I have medical records to prove the damage this is causing. I want Bank of America to not offer some ludicrous offer and not stand behind the offer as they have done so up to now. Bank of America is incompetent and cruel.

I applied for a modification in June of 2012 (I had not been late on a payment yet). I was told I didn't qualify because I wasn't late, I was also told new laws regarding modifications were coming out and to just wait. In August, I was sent paperwork to fill out to apply for a modification. I called 800-995-Hope and was told to keep applying for a modification. In August, I called to make sure all paperwork was received and I was told I needed to update my info because it showed that our only bills were the mortgage. I advised that wasn't true; I updated my financial situation.

In October I was told I had a new customer relationship manager who I was never able to get a hold of. In November, I was finally able to speak to my 3rd assigned customer relationship manager. In December 2012, he told me I had to be on the Unemployment Program for 5 months before I could be considered for a HAMP (I was already 7 months past due). My unemployment program was set to expire April 30, 2013. On February 13, 2013, I received a Notice of Pre-Foreclosure Options which was odd being that I was still in the Unemployment Program until April. I responded with a Meet and Confer Letter which they received within exactly 30 days.

In March, I received the modification packet to be filled out and sent back which I did. In April, I confirmed that it was received, confirmed that the Meet and Confer letter was received and confirmed that the paperwork was in review. I was told the doc department was making sure everything was received and if there was anything missing, I would be notified immediately and that it takes 30 days to review all the docs. On April 15, 2013 I received Notice of Default paperwork (mind you, I was still in the Unemployment Program). I sent a certified letter to Quality Loan Service requesting they revoke the Notice of Default.

On May 2nd (30 days after they received all docs), I spoke with my CRM and was told everything looks good. I called again on May 8th and was told my account was taken out of review on May 2nd in error and now they have to assign a new CRM. I spoke with my new CRM on 5/15/13 and now she is requesting all new docs as she can't locate the ones I sent in March. After getting upset and letting my new CRM, Eliane, know that they have done everything wrong on this file, she was able to locate the docs I sent in March but said she still needs new pay stubs, bank statements, HOA statement and that it will take another 30 days. She also said that she can't locate the Meet and Confer letter that my last CRM received. I just want a modification approval or denial letter so I can plan my next step, either Chapter 13 or Chapter 7.

We became severely delinquent and the foreclosure process began along with the harassing calls. We wrote the required hardship letter, filled out all the paperwork and faxed it (not once but four times) because they kept losing it. Once, they agreed that they had all the paperwork in order. We waited and endured harassing calls for months. All the while, we struggled to save each payment in our savings account (by not paying credit cards and other bills, falling deeper and deeper into debt) out of fear of being denied and losing the house that we paid for 18 years. (We have a lot of equity.)

Around June 2012, we received a letter stating we were denied the loan mod with no explanation. At this point, we are $8,000 behind on payments and terrified, receiving deed in lieu papers, short sale paperwork and a bill telling us to pay in full by a certain date for just about $8,000. At this point, there is no way I am letting them take our only asset, so I paid the $8,000. This leaves us completely broke in debt, two kids ready for college and a third with loads of rehab, hospital, therapy and debt. But I thought, at least our mortgage is paid up. Now, we will have to figure out how to keep paying this payment we could not afford any longer.

That check for $8,000 was barely cashed by BOA, when lo and behold, around July 2012, we received another packet in the mail telling us we are suddenly miraculously approved for the loan mod. I was relieved, although upset that I had spent all our savings to pay the arrears, when in fact I could have used that money to get us out of debt with other creditors. (Basically, we had to pay up before we would be approved.) So we signed the mod papers and made the three-month trial payments on time. In Dec. 2012, we received the final new mortgage packet. We did as instructed, signed in front of notary and sent off first payment due for Jan. 1, 2013.

So you think this is the end, right? Wrong! To this day, 5/16/13, loan is current, payments made on time each month but I am still being harassed by the foreclosure dept at BOA. I have received FedEx packets dated Dec. 2012 as recently as two weeks ago, asking us to sign and date by Dec. 8, 2012 to complete our new mortgage. Endless phone calls and messages. When we called our so-called loan counselor from the loan mod process, she told us she had no idea why they call and send these packages. We have asked them to cease and desist in calling us; however, they still call. When we answer, they ask us what it was about. The loan is current. I have about had it with BOA, and I’m going to get a lawyer. I need advice. And I’m truly not comfortable that they won’t find some loophole to try and take our home. We have a lot of equity and it would be in their favor to take it. Someone help.

I have had a loan since 2007. The original home loan was with Countrywide. In 2009 both my husband and I were laid off. We were forced to file chapter 7 bankruptcy. Countrywide, at that time, would not preform any type of reinstatement procedures to secure the home loan after the bankruptcy. Texas is homestead state, which enables borrowers to keep their cars and homes out of bankruptcy proceedings. The loan was sold to BOA just a few months after our bankruptcy was discharged. We had applied for the modification just before we filed for bankruptcy because we were laid off and it was approved. But we were not able to make the first 7 payments because we were still not working.

The loan was delinquent. The loan modification consisted of maintaining the loan term and reducing the interest rate by a percent. It was 5.5% and went to 5.25%. What does that mean? It means that our original mortgage payment was $1,700 and it went up to $2,100. They just tacked on what we owed to the back of the loan and kept the loan term. We eventually were able to bring the loan almost current so that we only owed 2 payments. I wanted to bring the loan current so BOA suggested I apply for another loan modification for those two payments. I agreed and submitted all the documentation they requested. The loan officer, Marina **, based out of the Dallas, TX office told me to be considered for the modification, you had to be at least 2 payments behind and to not make any more payments because I would be ineligible for the program.

I received a letter stating that I was not eligible for the program in May 2013 because I filed bankruptcy in 2009. This is the incredible part - I called Marcina and she told me to disregard this notice because it had been sent in error to literally hundreds of borrowers. It was not applicable to me personally because I had filed bankruptcy back in 2009 and this letter was sent out in error because that would only apply to me if I was currently in bankruptcy proceedings, which I wasn't. Two days later I received a letter stating my house is in foreclosure. I called Marcina and never was able to get a hold of her. I was assigned to a new account manager, Crystal **, out of New York.

I told her Marcina had informed me to disregard the notice. She said she was aware of this fact, but it was not intentional to mislead me but Marcina was misinformed and the policies changed as of March 2013. She also informed me the only way the house will not go into foreclosure is to bring the loan current to pay $10,000 + penalties within 5-7 days! BE-AWARE of Bank of America. They are dishonest and have sinister agenda!

This is the 3rd time I've had this issue within 12 months. A prior month, they hit my checking account with a double mortgage payment and then were so incredibly stupid they couldn't figure out how to refund one of them. I ended up just letting it ride as an overpayment against the next month, but seriously, they would be better off hiring people with more than a room-temperature IQ to work there.

Here's how I see it: We as consumers should be able to choose who we allow to service our mortgages and who we do not. That might send a message. I know I would be one of the millions of consumers who would flee BOA like rats from a sinking ship if I had any control over this situation.

I called BoA and they assured me repeatedly that I own the house; they do not. Last month, I received notice that BoA dropped my current insurance and is using a different one and they are sending people to cut the grass even though I was doing that. Now today, I received information from a friend in the area that someone is removing cabinets from the house. If I own the house as BofA is telling me, this is theft! I can't find a realtor to do a short sale because of a tax lien I am taking care of. And getting in touch with an actual live person who will speak to me is hell. I want to do a deed in lieu of foreclosure and cannot get answers.

To those who are trying to get a modification with an ex-spouse that is no longer on the mortgage. They are gone. You have to be able to qualify on your own now. I can't even fathom why you cannot grasp this concept. To those who do not qualify because their loans originated after 1/1/2009, the laws had already drastically changed by then. All of the predatory and unfair practices no longer apply. The terms, conditions and disclosures were crystal clear by then, and you knew what you were getting into. As a supposedly responsible adult, you were fully aware of what you were doing when entering into a legally binding contract. Live up to your obligation. To those who have retained attorneys, it is actually easier for the bank to deal with an attorney since there is no emotion; but know this, the lawyer will gladly have you give them your mortgage payment instead of paying. Once it's gone, they will leave you dry and do not care if you lose your home. I've seen this happen daily.

Also, the loan modification companies are a scam. There are plenty of HUD approved centers to help for free. Bottom line, if you are being charged, you are being ripped off! A lot of these are outsourced to India. To those who do not want to cash in retirement assets, I can relate. I had to pay a huge penalty when I had to get my dog an operation, but I did not expect the vet to pay it! These funds are for emergencies, and I would definitely call losing your home an emergency! Take the hit. And most of all, to the people who quit paying their Mortgages, what are you spending it on? Isn't food and shelter at the top of the priority list? I apologize to those with legitimate medical hardships, but in going over financial records in detail, I have seen the vast majority spend money on cigarettes, at the liquor store, at nail salons, or Las Vegas ATM’s. I cannot tell you the number of times that I have called distressed homeowners, and they are on vacation!

Bottom line, if you can't afford your mortgage, you need to make sacrifices. There are people who are experiencing legitimate hardships and genuinely need help, but the other 90% are ruining it for them. Bottom line, this is not about maintaining the lifestyle that you are accustomed to living. You may have to make some serious changes given the economic conditions.

Currently, BOA sends someone to my house 1 to 2 times a month to hang a flyer on my door. The flyer just says, "Call this number today. We are expecting your call. Have your account number ready." The letters BOA are hand printed in which is the only identity. The first time I knew it was BOA only because I recognized the default toll-free number. Each time (about 11 so far) I call and am put through a maze of VMs that ends with my "default customer relationship manager" who informs me via their VM message that they will return my call in one biz day. Never has happened yet, never have spoken to a single person, yet this door hanger notice continues.

I even wrote to CFBP, which contacted them. They sent me a letter with some other customer relationship manager saying they would respond in writing in no less than x days. That was a couple of months ago. I will never take out another mortgage until laws change because I am at the mercy of a servicer whom I cannot choose. There seems to be no laws to protect people from their abuse.

I got a letter from BofA saying we did not qualify because we were past due over a year and don't qualify for forbearance. We did not apply for forbearance. We applied for a reinstatement program through the housing dept and they approved, making up past payments and letting us begin making them again. We did not even consult BofA. We went through housing counselor. Also, on top of that, I got a letter of intent to foreclose on a house in Texas worth more than $600,000 with our mailing address, but the mortgagor named someone I have never heard of. I sent it back to them, told them to verify names and property addresses. They probably won't.

I finally reached her by phone on 2/14/13 and she didn't have a clue who I was. Over the next month, I played phone tag, faxed documents, faxed more documents originally told unneeded and rec'd "Urgent" FedExed letters asking for documents already sent. On 3/14/13, FedExed letter said BofA was "reviewing" documents to confirm "all required documentation" rec'd. Form letter dated 3/19/13 stated "Thank you for your participation" and "due to recent changes" in our request status, we'd "no longer be assigned to a dedicated, single point of contact."

Denial letter dated 3/23/13 rec'd on 3/25/13 stated, "While we realize this decision comes at a difficult time in your life, we regret to inform you" yada, yada, yada. The reason: we did not get our loan on or before 1/1/2009! On 3/26/13, I rec'd another denial letter, this one regretting we weren't eligible because of "assets" we could use. That "asset" is my IRA, meant for "retirement" and with big penalties for early withdrawal. After receiving the first denial on 3/25/13, I called BofA regarding other options. I spoke to another nice man who said the only info on us showing up "in the system" was from original call on 1/11/13 so he added info from the past two months. New form letter was rec'd on 4/2/13, naming new "Ded Customer Relationship Mgr" who "will be calling soon." It didn't happen.

Last month, because of tight budget, I started sending our loan payment in two installments, timed so they could be rec'd before past due date. On 4/20/13, I rec'd another form letter via FedEx, dated 4/17/13 saying to respond in 30 days, or a "notice of default may be issued" and we may lose our "home to foreclosure!" It didn't make sense and I left another voice mail. On 4/22/13, I rec'd another form letter, snail mail this time, regarding payments I'd sent in. They were "unapplied funds" and I needed to send in our loan payment. Checking online, payments were rec'd on time but posted "misc," not applied to loan so a late charge was applied on 4/16/13.

I couldn't talk to a real person, or "Live Chat" so on 4/26/13, I sent an email via the "contact" link. Reply on 4/29/13 said late fee would be reversed and to call customer service to set up payment plan. So far, I haven't talked to a live person. I've left several messages with no reply. Today, 5/8/13, I left one for the Ded Cust Rel. Mgr, and one for her mgr, whose message states he returns calls in one business day. We'll see. I spent 25 years in customer service, and trained customer service reps for several of those years. My experience with BofA customer care is horrible.

A complaint has been filed with the CFPB and still no results. Please contact my realtor - Robin ** at ** for all of the details. I have been a customer of BofA for over 20 years. As soon as this 2nd mortgage lien gets resolved, I will never do business with them until the day I die. I feel BofA should close their doors as they are not competent to do business, and the CEO has done nothing to improve their past performance. Their employees are ill-trained and inept to handle any type of business transaction, and in my opinion, are still engaging in deceptive business practices with respect to borrowers facing foreclosure. I agree with the State of New York, BofA needs to be taken to task again.

After not hearing back (which I discovered is because they keep calling my cell phone, which I am currently not using), I called again. This time, someone told me some other doc is missing. I asked Ms. ** to call me back. So this has been going on for 5 months now. They sent me a form letter which seems to be required to be completed every month and each month, I need to fax them another pay stub, a new form saying they can contact the IRS regarding my returns. I have filled out duplicate forms, been sent form letters which do not fit all situations and seemed to require that I start over every month. Now, I am getting monthly collection notices from the bank, telling me I'm behind (no kidding?). I am inundated with advertisements for refinancing from all sorts of places, numerous times, from Bank of America. Now, I get a recorded message sent to my phone telling me to contact Sheri ** about the following missing documents and proceed to list the same documents.

After five months, I don't see how this procedure will benefit me or the bank but as of now, I don't intend to send them any more paperwork. I will not respond to their automated call telling me I need to send them the following paperwork. I don't intend to respond to anything but direct requests from Sheri ** because apparently, their automated system is worse than worthless. I don't know if this will cause me problems in the future, but I figure how bad can it get? They're ready at the touch of a button to foreclose, without properly allowing me the right to modify my loan. At this point, I may just walk away from it all together.

Clearly, they could see my net pay. Maybe they need glasses! Well, I didn't hear from them until Dec. 2012 when they informed me my mortgage had been sold to Nationstar Mortgage. At this point, I was $21,000 behind. I have not made any payments and now Nationstar has started foreclosure on me. I have sought out an attorney and will be filling bankruptcy. I am under water as I owe so much more than my house is worth. I am trying to retire in the next 5 years, so I really do not want to be strapped down with a house that will never be worth what I owe on it. I can rent for less and not have to worry about taxes or repairs. So much for the American Dream. Mine just went bust!

The paperwork was lost and over the course of the year from March 2012 to March 2013, we spoke with several case managers who could never find the documents. In addition, we kept receiving collection calls daily. Finally, our file was sent up to the Office of the President and CEO of Bank of America, a nice term for their escalation team! They said they had to send out new documents to us for our signatures. Also during year of 2012, my husband and I got divorced and he refused to sign the loan documents. As Bank of America has our original documents in an imaging system, we should have not had to sign!

This was not our fault the documents were lost. Since he did not sign, I now have to apply for the loan on my own. I have asked time and time again why they will not use the image documents and no good answer is given. They have the worst unprofessional service ever! They have caused me so much stress and this is not right! I want my loan modified without any hassle in my name only. Again, I will stress my point that this was not our fault! We complied with all their requests. The case manager who I have been working with is Kristina ** at 877-471-4387 or 800-669-6650. Please help me.

I am now going through a local bank and getting a better interest rate and being treated with some respect. If you think Bank of America is going to refinance your loan for a lower interest rate, then think again. They are just going to make more money off you by charging you an appraisal fee to process your loan and put you through interrogation. Save yourself some grief and try another company. I have been told everyone gets a bonus for a high percentage of refusals. They aren't working for you! They will string you along, lie to you, and treat you like you are some kind of criminal.

Instead of setting up an appointment to close, she wanted a letter from my employer guaranteeing overtime for me. The next day I went to the HR manager and asked for a letter. She told me, "No way are you getting a letter" even though there is plenty of overtime and always it was too much of a liability for them to put it in writing. I got home, called them and let them know that I could not get this letter for them. That was the end. We never heard from anyone at Bank of America again. In fact, we went online to find out that our application was closed. Never a call or an email.

This is not how you treat customers of several years who are up-to-date on payments and never pay late. We do not understand that this letter was of no importance for months, but all of a sudden it was. It is too much for us to be treated this way and will look for other financing. We will not let Bank of America keep our business. It is a slap in the face and $465.00 is a lot for us to lose.

My original principal was for $680,000.00 at 6.125% interest only for 7 years, which is to adjust this month. I was making my interest only payment on time up until they forced me to have an impound account. Mind you, I made arrangements with the County of San Francisco to pay installments to bring my taxes current before the next tax cycle. They did not like that so they increased my payment 22.00% to cover that year’s taxes along with the future tax reserves. Not to mention, I had a second mortgage with them at that time. So agreed and I started paying the amount with the impounds expecting to get my payment reduced through the government’s Making Home Affordable Program, which I was told was an option to reduce my payment. Guess what, it’s April 26th, 2013, and I still have nothing.

I explained to my account manager who I will call "square root", because I have had multiple account managers, that if they cannot modify my loan then honor my note because my margin is 2.875% and the LIBOR index is 0.78%, which is 3.605%. He had no idea what I was talking about. I'm serious, he didn't. These are the individuals handling American's money. Although this has been the most stressful four years of my entire adult life, I refuse to let them abuse the 700 billion dollars that are coming from our tax dollars and not be able to reap the benefits.

I will eventually recover financially and when I do, we will close out every account we have with BOA and move to a small local bank or credit union. It's time to shut down the large banks as they have become ineffective and are allowed to operate illegally. I encourage everyone to move their accounts to small institutions or credit unions as soon as you can.

Our modification came through in Jan, seven months after we signed, two months after the accident. We couldn't make the payments on a disability check that is why I was calling in the first place. Our modification only lowered our mortgage by $100 and put us back to 30-year loan. I had thought that since our modification hadn't gone through, that we could try for a new one considering the circumstance. Instead it was pushed through and we became ineligible for any help for two years. We owe $204,000; it's worth $112,000. There is no help for us.

My husband returned to work 8 days ago to light duty. We received our intent to foreclose on April 15. We had intended to bring our mortgage current with the settlement from the accident, but we will not have it by May 15 when the foreclosure will start. Our income will return to normal now. We will have to go through foreclosure and bankruptcy. The bankruptcy will only have Bank of America on it. They are our only debt. At this point we just want out. We can move 4 blocks to a bigger, nicer house and rent for $400 less than the mortgage and start saving again. The only reason our modification was pushed through was to back us into a corner with no hope.

Having been through this with BoA on several occasions last year prior to them forcing me down their short sale path, I started getting nervous when I hadn't heard anything after two weeks. Then I find out that they sold my second mortgage on 3/30/2013 during my modification review. Then I started receiving foreclosure notices from BoA again. So I started calling everyone. Finally, my account manager called me back last week and said that she is submitting my paperwork to the underwriters and will follow up with me on 4/22/2013 which she did. I questioned her as to why it took her 30 days to submit my paperwork to the underwriting department and she provided a long list of BS.

As for my second mortgage that was sold to Carrington on 3/30/2013, I was instructed by my BoA account manager that I will have to work out a modification with Carrington. Sue the crap out of this company, people. They are playing a shell game and seriously need to be put out of business. I am moving forward with hiring a forensic auditor to review all of my activity with BoA from the day they bought my loan from Countrywide in 2007. I wish nothing but honesty and fair play when it comes to my asset and BoA is proving to be the opposite. Money-grubbing **. I'm absolutely sickened by their supposed process.

However, as of today, April 24, 2013, B of A continues to consider my account in arrears. In addition to my having spent dozens of hours on the phone with numerous B of A employees trying to rectify this matter as well as having sent emails, faxes and certified letters, I have received several notifications threatening foreclosure. Now, I find my mortgage has been sold to (or is now being managed by) Seterus. This company has no interest in helping resolve this issue since they say it is between B of A and myself, but they do consider me behind in my mortgage payments by a month and say that I will continue to accrue monthly late fees (so far they say I owe $340 in late fees) until they receive an additional month's mortgage payment to put me back on time payments - again, I have not missed any payments. This situation is untenable and I fear I will have to pay and lose more than an extra mortgage payment to prevent accrual of bogus late fees. Any assistance or suggestions are greatly appreciated.

When I did talk to someone, they refused to answer or acknowledge that I was on loan mod program already (note that I got a 30-year fixed rate loan mod contract they made me notarize as our new contract; isn't that valid for anything?). After I got letters of 4 different case managers between a 3-month period and no call backs when I'm available, then I got a letter on April 1st, 2013 that my loan was sold to Greentree Financial, and they will take over May 1st. Now stating in the letter Greentree would review my paperwork to see if I qualify for a loan modification, when I am already on the ** HARP program!

My complaints are:

4) They raised my payment $5 more when I got contract for other amount for $5 less.

I feel the bank is doing these tactics to take my home. I am hearing similar stories too often from BofA customers.

3) Close our savings and checking accounts from BOA.

The sad part about this whole process is that I had to wait this long for an answer. As stated, all I wanted from the beginning was an honest answer from your staff. You needed to know what is happening in your institution.

This is so frustrating. I am tired of dealing with this. None of the departments in BOA communicate with each other. I'm ready to just give up, move out and let BOA have this house. I'd rather give my money to rentals than deal with the ever changing, lost and useless BOA.

3. You did not send in your last paycheck stubs.

When you try to speak with someone who has answers, which is an account manager, they are never available. The concierge doesn't know squat and they are the gatekeepers for these highly sought after account managers. Look, bottom line is we have to fight for what we have. Don't let them lie. I video all my phone calls. They are on YouTube. I video when I receive paperwork, when I fax it, who I fax it to, etc. I refuse to let them blame me. Once I get enough videos, I am sending them to the attorney general and also a letter of complaint. BOA will get away with this as long as people keep throwing in their towels. Don't give up! Insist that you get answers! Do your homework! Do your research! There are groups on Facebook that can help too.

Banking Bad

Do not let them keep screwing us over! I have called 4x a day every day this week and still have not reached an account manager. I have set appointments and still no call. Then they blame me and say I never made an appointment. It's crooked and straight evil. Help me fight BOA!

A week later, I received a letter saying that if they did not receive the documents in four days, my loan request would be denied. I got so upset with him that I complained to his supervisor, Jill ** and his manager, Rita **. I sent the documents again to the secure website and asked to have someone else handle the further processing of my loan request. His manager told me that that they would have another loan officer handle my loan request.

Two weeks later, I received a call from Mathew **. I was wondering why he was calling me; he proceeded to tell me that he was calling to tell me my loan request was denied because I did not provide two address verification documents he requested. I informed him that I provided the address verification documents three times and that either he did not read the documents or he was refusing to accept them. I told him that I was going to speak to his manager, and he acted like it was not a big deal. He then accused me of fraud and abruptly said that he was terminating the phone call. Fraud?

I actually was going to be paying more monthly to refinance my home loan with B of A. The primary reason I was applying for the loan was to reduce the years on the loan to 15. I do not to need to commit fraud to pay my money to you, plus interest. I believe he was upset because I complained to his manager and denied my loan request. I am trying to get reimbursed for the application fee of $480.99 because I feel this was retaliation for my complaint. I have kept all emails that I have sent him.

I am also going to find another bank to assume my mortgage I have had with them for the past 8 years. They treated me as if I was asking for free money. Also, if someone could let me know if I can take legal action against the loan officer for the accusation he made against me, I would appreciate it.

Numerous account managers handled my case; their voice mails stated to contact their supervisor if the account manager did not call you back. In nearly a year of contact, not one single time did a supervisor call me back - after I was unable to reach one of the numerous account managers. And after a year of paper, time and court calls, I received yet another new "Account Manager" - two days later, the home modification was declined. Unbelievable. Unfathomable.

In all honesty, I truly believe Bank of America wants me to lose my home. I have until May 9th to come up with the difference or my house will be sold. It is not even like I spent the dollars while waiting for them to make a decision. As recently as this week, I told them I had $15,000 saved and could I re-amortize the difference. No, they want my home to go to sheriff sale. These are the same people that promoted an "interest only" loan to me. Now, not only have my two amazing boys had to deal with my breast cancer, I need to find a way to tell them that we will lose our home. I do not even know how I am going to do this to them. Thank you, Bank of America, for routing me around and loading on the attorney fees. You are an American institution. Shame on you!

The end of March I finally received the paperwork stating my modification was approved and what my payment, interest rate and balance of my loan are. I had to sign, get it notarized and complete another modification document (which was the original modification application I had to submit in 2009), which worries me a little. This whole process has been tiring and depressing. I'm praying to God that they hurry up and get the paperwork done, so that I don't have to hold my breath any longer.

Overall, I do not like how they show the postings online and they have no updates online where in the process the paperwork is. I also have a checking and savings account with BOA. I don't really like the way they post debits and credits. I also have set up auto payment for my bills and I don't like how they make the payments. Instead of taking the money out of the account when they send the payment, they wait until the recipient sends in the payment.

I was thrown from one case manager to another. They have no clue who you are and what your issue is as they read notes from the previous case manager. After much anxiety and stress, I turned to my congressman and asked for help. He immediately got things in motion and it took less than a week what I had tried months to accomplish. Finally, I was connected and my case manager was assigned to me who was the default manager for the CEO of Bank of America. I figured now I was set. I followed every step with her providing all documentation and then set up on a trial period.

After 3 months of the trial period, she informed me my modification was approved. I sent back the documents requested and paid my mortgage on time every month. 5 months later I received a letter stating my modification was denied due to missing paperwork and then stated it was late. They sent back my mortgage payments for that month and the next month. I had paid the mortgage as stated and they accepted the payments, so why is it they took so long to state I was denied? I know there are thousands, if not more, struggling with this never-ending process, case manager to case manager. Why is it they cannot assign you one case manager through the whole process and when it is approved by approved?

No that would be too easy. I was told the processor who does the modifications found this. Well, where was she when I was told I was approved? So now back to the whole process again and the foreclosure is as they say does not have a sale date but they are a debt collector. This is ludicrous. Now I have contacted my congressman, the attorney general, as well as the federal commission, and filed reports. I have been told I am one of thousands going through this, so where is the justice for us? I have faxed and faxed more documents over and over again. My house looks like an office filled with records and papers. I have done all I was instructed to do. Now I am waiting again.

They do not understand the strain and stress this is putting us under nor do they care. They say in all elections they are going to stop the big banks. Well, did they forget now that they are in office? Something needs to be done about this now! Everyone who reads this needs to call their attorney general’s office as well as the federal banking commission and file a complaint. Hopefully, I will hear soon that my modification will be able to begin!

I was then notified from the bank in December 2001, my balloon mortgage had ended the prior month. I was sent paperwork for another loan which I returned. While still processing my loan renewal, the bank changed my good credit to bad and immediately filed for foreclosure on my business property. I had to go to a regional office other than my regular bank to continue payments. The bank filed for eviction and combined my personal and business mortgages together. This made it impossible to go to another lending source.

In my letter of complaint to the Washington bureau in charge of overseeing banks, BOA, now the successor, answered my complaint by lying they never combined the mortgages. I was also threatened in writing by the chief BOA corporate lawyer for bringing a RICO lawsuit against the bank and the president. After declaring personal bankruptcy and fighting BOA and their minions for years, I was forced to sell my business building for only $600,000, one-third below market value. This amount not only paid off the business building, my home and the hundreds of thousands in legal fees, but left me in bad financial shape.

I am one of the many who was foreclosed upon for "wealth" reasons. Two considerably higher offers were turned down by the court. The winner was a secret developer in partnership with the city I exist in. In bankruptcy, I learned it is never too late to be defeated again. My lawyer did not want me present for court proceedings. This resulted in a $30,000 win turning into a loss when a legal precedent was established by the opposition lawyer and proudly displayed and promoted on their website. My legal malpractice complaint was moved to another district as my lawyer was on a legal ethics board. They dismissed my complaint in writing. My bankruptcy lawyer cost me not only $30,000, but an additional $1,000 in legal fees not disclosed to the court in final papers. Crime does pay!

The closing date was moved again to 18th March, 21st March, 22nd March and finally closed on 25th March and that too with me having to follow up all the time for the closing date they commit. I would say they are difficult to work with. The processor does not have knowledge of interpreting the conditions. I repeatedly asked for documents over and over again. Lack of responses to emails and the responses are not providing any information of help, though there were some helpful people. The closing agent assigned and the loan officer who locked the rate were very helpful. The processing part was the most horrible, but to be fair, I did get help from the manager on escalation. That is the only reason why I am giving a 2 star; if not, it would be 1 star. But then too, the overall process was a nightmare.

This fiasco caused us to become even further behind. We are now five months behind with foreclosure notifications coming weekly. We have been contacting them for over a month and a half trying to make payments to at least catch up and were told they could not accept it unless it was in full. Here comes the funny part: Between my husband and I calling almost daily, no one that works there ever has the same story. Very questionable if you ask me. All we wanted was our reinstatement numbers so we could get out of this ridiculousness. So now thousands of dollars later, we finally got a number today and that was right after I called and was told there was no number! What in the world? I sent it in overnight and I better not get it back! These people are crazy! I'm really starting to think they want you to get so behind that you can't catch up and then would have to have the remainder of the mortgage to keep your home. I would not recommend this bank to anyone! Horrible and stressful experience to say the least! To everyone out there stuck with them for now, good luck! You will probably need it!

Our last attempt for a loan modification began on January 7th. We are on the west coast and our client manager was on the east coast. On March 5, I was contacted by another person who said she was our client manager and that we needed to resubmit all documents ASAP. She said she would fax a document we needed to submit. I never received it. Four days later, we get a FedEx letter from them saying our modification had been denied because documents weren't submitted in a timely manner! I tried to appeal but that department says they can't start an appeal because I hadn't even submitted the documentation. I don't know what legal action we can take but for those of us who have been lied to over and over by BofA need to stand up for our rights!

The average home is $198,000. Since our home is 30 years old and a Quad, which are now Bi-Levels, since no comparables, the appraisal listed not conclusive. The appraisal company could not find comparable homes, so they appraised our home to smaller homes, with limited improvements. 2 of the 4 didn't even have finished basements. Our windows were listed as average sliders and we have Pella Windows. BofA are intimidating clients to use their services and must be getting a payback from the appraisal company that only appeases us and says that improvements are made for the owner, not for the sale. The curb appeal is not even similar to the 4 comparables.

We didn't even want to borrow more money than we owe. We just wanted a fixed interest rate for 15 years. We were denied after being customers for 40 years. Something is very wrong with allowing banks to deceive clients just to make more money. We were told, "Well, try again in 6 months [maybe a home will be sold that is comparable].” In the meantime, they earn 4.89% on our money instead of 3%. Our home should be $225,000 and appraised for $177,000. This is purposeful.

It is our opinion that our account managers at Bank of America are being instructed to drag their feet because the longer Bank of America is in control of the home, the chance they will get more money for the home is a greater possibility. If this is not the case, they are certainly giving the impression that it is. We would appreciate any help you can offer in fighting for our right to the American dream.

In September they agreed to modify my loan, but not the interest rate or the principal, both of which still remain the same. Bank of America only modified my loan amount by reducing it approx. $200.00 a month. I fulfilled the modification requirements by not missing a payment. B of A sent me the closing paperwork to fill out in December of 2012; I returned it as required. They sent me additional paperwork in September 2012 (same paperwork as before, but raised the payment 15 dollars). The loan still hasn't closed.

B of A is reporting to the credit bureaus that I am more than 180 days behind, destroying my credit in the meantime. I now am receiving phone calls from B of A almost every other day, asking when I will get the $18k current and that I am in jeopardy of foreclosure. I have had B of A representatives show up at my door to make sure I still occupy the dwelling. Today I received a call from my account manager. They want me to fill out the paperwork again. In their words, "It will help expedite closing." Are you kidding? The first two times didn't mean anything?

In short, this process is a nightmare and I can't help to think that B of A wants me to walk away from the mortgage so they can collect more money some other way. I regret starting and being part of the MHA process. I should have done as so many others and just walked away.

After nearly 3 years, I had been denied several times; once because they said my family made too much money, once because they said I didn't make enough money, and more than once because they claimed they never received certain documents which I actually had a bank manager at Bank of America fax! I was beginning to lose all hope that I would have to short sell the house because this is what BOA was trying to pressure me to do. I ran across a blog where some guy had talked to an advocacy group that got him pre-qualified and then referred him to a legitimate law firm. I was skeptical because I was told not to pay to get this done, but at that point I didn't have any other choice but to fight for my home or lose it.

Long story bearable, I got the 2% interest rate and a sizable balance reduction to boot. If you are tired of playing BOA's games, call P.J. ** at UHAN (818-392-3603). After years of struggling, he helped turn everything around. I had to hire an attorney to get it, but it was worth it. The law firm accomplished in 3 months what I couldn't do in 3 years. Don't waste any more time with the bank. They don't want to help and they get paid just for taking the applications. It was the best phone call I've ever made. I know your frustration, so I figured I'd get on here and pay my good fortune forward.

I cannot make payments online; when I call, no one knows what's going on with the account. I have left countless messages with my assigned "relationship manager" who hasn't called me back in sixty days. Bank of America is running a scam to foreclose on houses. I don't see how this is legal to treat customers this way, especially since I've made monthly payments.

While I was deployed, I received numerous threats that they were going to foreclose. I am so sick of the games. Maybe these too-big-to-fail banks should not have gotten any of our tax dollars in the form of a bailout. Maybe they should have failed and then we would have gotten the help we needed. I should have listened to my economics professor more and voiced my opinion more. Well, I am doing it on this forum. This is crazy. The customer service rep who called me shortly after I came back from deployment bragged about the stimulus money they received and they can help me. I said, "Okay, send me the paperwork." I never got any paperwork until my VA counselor got involved and this counselor was unprofessional when she talked to me, so I snapped at her and asked, "What is it that you do other than yell at me?" She said that she works with the banks to try to get me a modification.

Well, months later, I got a modification package only to be denied. Why? It was because I rented my house out while I was deployed. Well, thanks a lot, Bank of America. You all don't care about helping customers only abusing them. I wish the best for this corrupt company and their shady business practices. I really do hope you prosper from the bailout money which is our taxes that you used to line the pockets of the CEOs. Thanks a lot!

I have since been told that I am under review for another program through Bank of America and have been told this for several months now. I have also been told that the actual lender has new rules now, so they are looking at another way to help me. I am a single parent who works hard to provide for my family, and I am about to lose my home with nowhere to go. If there was anything I could do to close Bank of America down, I would do it. They are heartless and could care less what they are doing to people.

I later found out that they took that money and funded it wherever they wanted. I called them over and over again about it and never got anywhere. I have been struggling to make payment and ends meet. I recently received an e-mail from a company in which I paid $600 to try to get my mortgage rate reduced again. I am never late on my payment because I struggle to make my payment because I do not want to lose my home. This is how I help out in keeping my grandkids with shelter. I was told by Bank of America that because they gave me a modification in 2011, I did not qualify anymore. I pay more now than the first modification I got in 2010. I think they want me to lose my home.

I struggle daily. I have been banking with them for about 15 years. And it’s not about the customer; it’s about them because they definitely do not have any compassion. I guess I will continue to send in the information in hopes that one day they will approve me. This day and time, people are struggling so it’s not like it’s a hand out because I pay my mortgage every month on the 16th and never fail.

Now, I got a letter in the mail from them giving me a list of things they claim our outstanding, such as a copy of the appraisal (they gave to me), w-2 forms, etc. I had already given them this information over a month ago. I have emailed them and left a message for loan agent to contact me. Over a week has gone by with no contact from them. I will be contacting the local branch to see what's up. I have two friends who applied for new mortgages two weeks after I did, but with a different institution. They have both closed already. Processing of these mortgages appears to be a nightmare with Bank of America. I would not recommend doing business with them. At this point, I already have about $450 invested in the appraisal, so I can't drop things and go somewhere else.

In 8/2012, the house was foreclosed. I tried again and sent the documents again. Finally, my loan modification was approved, just adding the past due to the loan and start trial period 11/2012. I felt hop gain, even with the new principal equals 2 times the current value of the house, but there’s nowhere I could live. I signed the paper and FedEx back, and I started new payment for 3 months. After the 3 months of trial period, BOA sent me documents for commitment for loan modification. I thought this is the final step; I signed the document and FedEx back, and then continue payment.

But now, BOA sent me that I was disapproved of any assistance. So, what does that mean? I tried calling again and again, but nobody knew what was happening. I tried to sue BOA and called an attorney who wants me to pay $20,000 fee to initiate and $2,000 every month for maintenance fee. Nobody cares; they just want money from struggling people. Anybody who has suggestions to group sue the bank for this fraud and unethical negligent service?

I have followed every suggestion no matter how irrational. I have provided for every repeated request of documentation no matter how blatantly obvious the intentional stalling of progress on their behalf. I have sought comfort in the malicious lies offered by my assigned points of contact in the Bank of America President’s Office. I am 60 days behind payment schedule, being assaulted by a constant barrage of foreclosure letters, bright yellow threatening Sunday door knockers, and routine individuals showing up in rental cars to photograph my home. What is my reward for existing in this impending state of vulnerability for 3 years? An offered adjustable interest rate-balloon-recorded that is in violation of RESPA, Truth in Lending, and the Dodd-Frank Bill! And a rescinded trial period offering a 40-year fully amortized mortgage at 3.375% fixed.

Quick history: October of 2011 - My loan modification transferred to the Office of the President at Bank of America. I become hopeful this bank that I have been with since my first job as a 16-year-old girl is going to help me. The standard letters of foreclosure are being issued. My credit has been wrecked due following BofA’s report of delinquency. The office actually told me they lost my entire application, but I started it all over again. When the anxiety builds to unbearable levels, I am assured that everything is fine. The harassing environment is being generated from lower offices that my points-of-contact in the President’s Office have no control over. Please do your best not to pay attention to them because you are safe with us.

February 2012 - I received a letter from the President’s Office at Bank of America stating my request for assistance with my Home Equity Line of Credit has been declined. Since the origin of my loan in 2007, never have I applied for a modification on the line of credit. This has been a journey for a loan modification. Now I begin to panic. I know I need to build a case. Qualified written request(s) are sent for the vital documentation in order for a third party to successfully identify and locate my loan. These are ignored. Complaints are filed with CFPB, the CA Department of Justice Kamala Harris, and the (OCC). The illusion of safety had dissipated. I am in free-fall.

March 2012 - BofA acknowledged receipt of inquiry about loan requests. "In process of obtaining documentation", BofA failed to mention QRW until we sent in another request. BofA is now in clear violation of RESPA Section 6. Bank of America could not tell me who owned my loan! Lots of filler letters from BofA... July 2012 - I sent in a second qualified written request. BofA provided some of the requested items. They did not include the requested: 1. pooling and service agreement; and 2. copy of assignments and substitution of trustees. They finally told my loan is actually with Wells Fargo. BofA is just the servicer. (Note this for later... it gets interesting.)

August 2012 - Phone call from single point of contact! I am approved at 3.375 fixed for 40 year term; payment amount is $3,000.00+ and first payment is due 9/1/2102. Upon completion of 3 month trial period, mod will be fully effective. A few days later, I received the loan mod trial period plan paperwork. It did not breakdown the interest rate or the term. But entering the values into a mortgage calculator, it came out to 3.375 fully amortized fixed for 40 year term; payment amount is $3,000.00+ (includes taxes and insurance.) I paid every month on time. After the 3 month period was over, I started calling on a weekly and sometimes bi-weekly basis, continuing to keep notes on all communications and saving all documents from BofA.

It has been a six-month roller coaster of emotions: stress, anxiety and harassment. During this time while paying my trial period payments on time I received: 1. 5+ letters from BofA stating my loan was not eligible for modification, and my options were a short sale or deed in lieu; 2. letter from BofA - loan not eligible for principle forgiveness; 3. 4 packets with “You may be eligible for the Home Affordable Modification Program”; 4. 5 yellow envelopes hung on my door (always after 5pm) stating to call BofA ASAP about my loan - 3 hung on Sundays; 5. letter from BofA - “We have reviewed your request for a home loan modification. Unfortunately, your home loan is not eligible for modification assistance for the following reasons: "After previously being declined for or failing to accept an offered trial period plan or permanent loan modification, your circumstances have not changed... We can offer you a short sale..."; and 6. letter from BofA - previously evaluated my loan for a modification and informed me by a letter dated 7/10/12 that I was not eligible.

Every time one of these FedEx packages or letters arrived, I put a follow-up call in with my single point of contact who stated these did not come from his office (even though his name was at the bottom if most of them), and all was fine and moving forward with loan docs for the final modification. March 2013 - I call my point of contact to make my March trial payment. I was told not to and that docs were almost ready! The docs came in. My original Negative Amortization loan was to remain open. And this second "shadow" loan created that states I am paying interest, even though it is still negative; and the loan will still be adjusted every year with the LIBOR Index. BofA is one of the 11 banks accused of conspiring to manipulate LIBOR index.

From day one (3+ years ago), I have been pushing for a fixed rate mortgage modification. This is so disheartening. I called point of contact who could not really explain how the balloon payment worked. I also commented that I could not sign anything with missing paperwork. Loan mod expires, still no additional "missing" paperwork form BofA. 3 days, I call my single point who states a new package is being sent with the Exhibit A and updated expiration date. A new packet arrives, no Exhibit A - just page 3 of my original note with the clause about MERS in parenthesis? And same expiration date which had already passed a few days prior. I called and left a message for my single point of contact. The following morning, I received a call from my single point's manager. She tried to explain the balloon payment and said she would investigate the packet and make sure that a new one was sent with revisions.

I also mentioned that the terms and interest rate were missing from the paperwork. I asked again why I was promised a fixed modification and given a totally different product. She said the investors that manage my loan were not giving fixed mods. I asked who these investors were (expecting Wells Fargo, which was given in August 2012). She said it was HSBC and gave me their contact info. Being in the real estate biz, I find it hard to believe that my loan that originated with Countrywide and was taken over by BofA went briefly to Wells Fargo and is now HSBC. The only paperwork I ever received was when it went from CW to BofA. How is any of this legal? My loan meets all of the guidelines for the judgment on behalf of Countrywide borrowers. I have diligently worked on saving my house for 3+ years - it feels like a part time job. I have maintained a career in a declining real estate market requiring ridiculous hours and few sales. So sad! Any suggestions, or has anyone had any experience with overturning a perm modification offer for the trial version?

The first option was just refinance the mortgage at 3.875% and the other option was to consolidate the credit card debt with the mortgage with a rate of 4.25%. We agreed on the second option to cash out and pay the debt and consolidate at 4.25%. She then asked for my credit card and said it wouldn't be charged until the loan is approved. She never disclosed to us that it was non-refundable and what would happen if the house doesn't appraise. Then I noticed a charge on my credit card for $470. She never said it was non-refundable until after we declined the restructured loan. So when the appraisal came back, she said that it only appraised at $360,000 and she would have to restructure the loan.

Right then and there, I had a bad feeling about the whole transaction. She came back at us with the terms of the restructured loan. She said the 4.25 % rate would remain with just the refinance of the mortgage without the cash out to pay off the debt. I told her, "No, that's not what we locked in the rate at and not what we agreed on." Then she pretty much backed us into a corner and gave us only 2 options, either accept the newly restructured loan or forfeit the $470 they had charged my credit card for the appraisal. So by agreeing to her offer to do the refinance, I lose $470.

I have done nothing wrong on my side. We did exactly everything Kimberly had requested. She couldn't deliver the loan and we now have a $470 charge on my credit card. Please help. I've been misled into this transaction.

2012 I called to apply for a loan modification. I sent in all my forms and again I was denied. My mortgage went up almost $200.00 while I'm in Chapter 13. I was told by my attorney this is legal (Go figure). I called a different loan rep to see if I qualify for a loan modification or even refinancing. I was denied due to BofA stating that I was over 12 months behind on my mortgage and BofA wouldn't give the loan rep a buyout amount. I even called to see if I could get the buyout amount. I was told I would have to pay for the buyout information. Last week I called to see if I qualify for a loan modification. I was told no, I was not qualified. I have tried already 3 times for the same hardship. If I get a new hardship, then I can try again. I even asked, "Why do I want to have another hardship?" So again I am still in Chapter 13 and I can't get a loan modification or refinance. Good luck with BofA. They are big time crooks.

During the process, I received regular calls from the help line people checking to see if I received my packets. However, no one from the help line could ever answer any questions or be of any help. Was their goal to show statistics for calls made in an effort to appear being of assistance? Is anyone else aware of people not asking for or in need of a loan mod, being solicited out of the blue and asked to apply? I have. My impression is that the loan mod program is just a big scam. I asked to refinance my criminally high mortgage of 5.75/10-year interest only/30 year fixed loan and was told it could be changed over easily, but I was no longer with BofA since they sold me to Bank of NY. How can they sell my loan to Bank of NY and then hold it against me?

When applying for a loan that ended up being predatory at best, the four-way pay option loan, it was not clearly explained to me or my broker since I would never have agreed to this. After three months, I had to get out but it cost me $9,000 to make this happen. At this time, BofA appraised my property at $730,000 which was well above a private appraisal of at $585,000? So I qualified for my current loan because of their artificially inflated numbers. When the value dropped to $499,000 in 2009, they canceled my untouched emergency $50,000 HELOC, yet continued to hold the HELOC against me in my debt/income equation? How is this fair?

I have tried six times now to refi. In the meantime, I rented out a room in my home to help with my payments. But BofA won't count my rental income as income and deducted $850 per month from my debt/income equation. How is this fair? I have applied twice with my father as a co-signer and I still don't qualify. With excellent credit and nearly a million dollars in assets, we don't qualify because his monthly income is too low. How is this fair? If I have never missed a payment in 17 years, why can't I qualify for a new loan that would actually end up being lower than what I pay now and allow me to pay down my principal? I have done everything right since 1995, yet I can't get any help. I am not poor for a loan mod and not rich enough a refi? Theoretically, I am just renting my home from BofA, unable to pay the principal down. And in 2015, when my loan resets, I will be in big trouble. How did the Federal Government bailout of BofA help anyone? Is there any help for me?

After two months of trying to find out what had gone on, we finally received a history printout of our account. Even though they entered into the modification, your monthly payment basically goes into a bucket of money until they have enough to make the regular payment. Then we found out they prepaid our real estate taxes and homeowners insurance making our escrow account go negative, so when we made our monthly payments, it put it all in the escrow account and not towards our modification. We have now been since January of 2012 fighting with them!

In August of 2012, our individual customer service rep told us we had been approved for another trial modification and to make a new payment amount for the next 3 months. She also said we would now have a new account rep. Well, 9 months later, we are still making trial payments, no documents have been delivered and we can't get the customer service rep or her supervisor on the phone or to call us back! And wait, yes FedEx delivered a new foreclosure packet to us! How lucky can you get? My advice? Get to your state HUD counselor now! File a complaint with your state senator and fight these bullies! They are unethical. Protect yourself! Luckily, the state of Vermont requires foreclosure mediation. It may be our only hope.

So now, after months and months of jumping through hoops for these guys, I wanted out and a refund for the appraisal. Without batting an eye they said okay, but no. Sorry! I recommend anyone who has gone through such a process with these clowns to insist on a full refund or to take them to small claims court to get your money back! This is truly a white collar crime! I hate BOA.

I filed Chapter 13 Bankruptcy in August 2010 in order to save my house because my modification application went on improperly handled. During this time, to my knowledge, I was never assigned to a workout negotiator that contacted me concerning this matter. In August 2011, I contacted the Federal Housing Authority concerning my FHA loan. A call was placed by an FHA agent on my behalf to Bank of America, forcing them to expedite the handling of this current modification request. My request for modification was assigned to a negotiator in October 2011 with the help of the Federal Housing Authority. Almost 2 years after asking for help!

After being assigned to a workout negotiator, I was for sure that the modification process would get going. Again, I resubmitted my financial information, completed and faxed over more paperwork. Again months passed by without hearing from the negotiator. In April 2012, I made contact again with the Federal Housing Authority/HUD to inform them that again the Bank of America had still failed to begin the modification process. In August 2012, I made several phone calls to the workout negotiator and left messages that were never returned. I then called to speak to someone over him and I demanded help. On August 1st 2012, I resubmitted financial information and was assured by the negotiator that my updated information would be submitted to the underwriters. Again months passed by without hearing from the negotiator.

On November 1st 2012, I contacted Bank of America and demanded that something be done! As a result of my persistent phone calls, Bank of America turned around and tried to offer me a modification plan that would add more fees against my loan and that was outside the terms of my bankruptcy case. I have made every reasonable attempt to get help with this matter. Bank of America, I am very upset that you totally are against helping me. You have worked harder to cause my debt to grow out of control over helping save my home. You were paid by the government to help mortgage holders to keep their homes. You chose to steal billions of dollars for your own corporate gain. It is time for you to make things right!

How can an account be past due when it is closed and paid off? Because of this, the credit bureau shows my current status as 120+ days late and I cannot get approved through Fannie Mae for a new loan. I may never be able to get a new loan. The credit bureau will only show what BOA sends to it and BOA says their record is correct. So I'm screwed.

At times, I was frustrated and at times even angry, but I continued and now have a new lease on life. While I am awaiting the paperwork to arrive, I can only say that this young man who worked so hard for me and brought about this miracle is truly a blessing in my life. Bank of America is lucky to have such a person on their team. Only those who have lost their jobs, savings and on the verge of losing their homes can relate. Also, what I will tell each of you is that there is hope and with a continued effort and working with the right people, great things can be accomplished.

I send my hopes and prayers to those who need the help and I send my thanks and prayers to those who have given me a chance for a better future. I feel only positive things can now happen from this point forward.