Bank of America Mortgage Reviews

Then after I could not get a hold of my CSM, I contacted who he listed as his manager on his voice mail. He looked at our account and told us everything was okay and in order. Our CSM changed and she had me send in more packets (total of four throughout this ordeal). She told me that I had been denied for HAMP and was "in review" for other options. She could not tell me why I was denied or anything, but the foreclosure process is halted while my case is "in review". My husband was unemployed for 5 1/2 months and when he finally got a job, we had to send in another packet.

I recently found out that instead of the CSM applying us for the unemployment assistance, they applied us for the HAMP and put in our monthly income as $1,700/month, instead of $0. I had started making our normal house payments again, but then was told they would not accept any more payments unless I paid the entire $10k in one lump sum to get current again. So this whole time, I thought everything was fine and they were trying every possible means to keep us in our home, but instead, they were screwing around. Now we have a sale date to worry about and about to lose our home because of faulty information and paperwork on their part.

I have filed a complaint with the OCC in June of 2012 who in turn after 2 months sent a letter turning my complaint over to Consumer Financial Protection Bureau (CFPB). On June 4, 2012, I also sent the NYS Attorney General's office my complaint. Till this date, I have not heard from his office. I have also called his office numerous times to schedule a meeting with him but to no avail. Is government on all levels sleeping with Bank of America? I intend to blast my misfortunes with Bank of America on every possible website such as Facebook, YouTube, newspapers and anyone else who will listen. I wrote to Mr. David of the NY Times in hope of relief.

I believe if every dissatisfied customer of Bank of America puts out their story on Facebook, etc. to expose exactly how Bank of America and the government operates, we will prevail. Remember we are the employers of government and it's about time government does the job we pay them for.

Nothing! No call at all. I finally contacted my personal representative's supervisor myself. Of course, it was voicemail. I told him I wanted to know what was going on right away. My personal representative called me the next day. After an hour on the phone, she told me we were dropped from the program process back in May. May! She advised me to send in an update on our HOA fees, due to that changing, and said she would send it to her supervisor to get reopened and that this should not have happened. She stated she would call me back in 7 days. Two weeks later, nothing! I finally called again yesterday and couldn't even get through to her voicemail. The representative I spoke with stated that she was there just away from her desk. She instant messaged her so as soon as she came back to her desk, she would get my note to call me. Nothing! Still waiting.

I have decided at this point that I am not making any more payments. I lost my job in September and we are living on my husband's pay, which is minimum wage. We can't afford $1,200.00 a month! The same month I lost my job, his workplace was bought out. They reduced his wages by .90 per hour and cut his hours. There is no way to survive. Bank of America needs to be accountable for the way they treat people. I never would have gotten a loan from them. I did have any say in it because they bought out Countrywide. We refused to get a loan with Bank of America because we knew what a horrible company they were. Then, we got stuck with them anyway with no say so whatsoever!

However, no one would ever contact me and when I contacted them myself, I was told that the case was still with the underwriter and as soon as they reached a decision, someone would contact me. When I would finally call back, a decision was never made, I would be assigned a new account manager, and I was asked to resubmit the same documentation all over again. This has happened three to four times since September 2011. Currently, I am working with a new account manager. I feel that I am getting the same type of treatment that I have been getting with all of the other account managers that I've had.

In May 2012, he told me to fax in some documents, and when I faxed them in, he told me that all of the paperwork did not come through. However, I have a receipt from my fax machine stating that all of the paperwork did indeed go through. He then sent me a Federal Express packet asking for the same documents that I had already faxed in, which included an envelope for me to send everything back. I filled out everything, sent it back, and when I contacted him, he told me he never received the Federal Express packet. I received a fax asking me to fill out the same papers again; however he told me to wait a few days to see if he would indeed receive the documents from Federal Express.

After that, I have not been able to get in touch with him so on Saturday, August 4, 2012, I resubmitted the paperwork that they faxed to me. Now today, August 6, 2012, I received a letter in the mail stating that I have been denied the loan modification because I did not provide them with the documents that they requested. I feel that this situation is very unprofessional. I am not getting any assistance from Bank of America Home Loans, and it feels that they are pushing me towards foreclosure. I'm further behind on my mortgage now because one of my account managers told me that Bank of America would not accept any payments while going through a modification. However, I spoke with a representative today and she told me that this was not true and I should have been trying to send something in, even if I could not make the entire payment. I'm at my wits' end with these people!

By the time they have the said documents, they will claim the other docs are "outdated" and they have you send more recent documents and the cycle starts all over again. They give you the runaround and string you along. If there is missing information, they never bother to call you and let you know. The file just sits until I call to find out the status. I have brought this up every single time to these representatives, that they are completely unprofessional, that I'm extremely concerned that I'm sending documents with my sensitive information (social security numbers, bank account numbers and other information) and they do not follow through with what they are supposed to do, which is to help their customers.

Where is all my information going? I do not trust them at all and they are stringing me along. Aneesah ** is the person handling my account and she does not follow through on returning calls, being thorough in reviewing my documents, fails to meet appointment times and fails to acknowledge that it is very suspicious that I sent my documents via fax and FedEx, but the documents are not received. Their technology is outdated and know that they are lying about everything. I even have left numerous voicemails to her manager and they too never return calls. I hate BOA and will never ever do business with them in any way. They need to be investigated. This is not normal business practice.

After 4th submission of paperwork, I was told they finally had everything they needed, but that some of the forms had to be re-done since they were outdated. 5th try and finally everything is a go...or so I thought. My "personal account manager" could only be reached on approximately one of every 12-15 attempts, and no matter which of the dozen or more phone numbers I have for BofA I called, as soon as I enter my account information, it is routed directly to this same person. In addition, when I finally did speak to them, she was never able to actually do anything, always requiring "more research as to why this or that has happened". And always gives the reassuring "I'm here to help you. I promise… and I will follow up with you...” **!

Fast forward to 14 months into the process, wife is now unemployed and we are 2 months into a 3-month "trial payment" which ultimately was their idea of our new permanent payment. Bottom line was that although we were struggling making our payment, their idea of "help" was to increase our payment over $250/month when clearly our situation not only had not improved, but was in fact worse than before.

Desperate... we cashed in my wife's 401k and paid off the entire past due balance of nearly $8,000. I had to literally speak to 4 different people to convince them to accept a payment at all, much less one that cleared our outstanding delinquent debt. After spending over 90 minutes on the phone, they finally gave me the amount to pay and accepted a check over the phone... generously (insert sarcasm here) offering to waive their normal $20 fee to accept a payment over the phone. I made it very clear that I wanted to be removed from the modification program and resume my normal payments.

The final insult came by FedEx today, 30 days after this payment of nearly $8,000, stating that we do not qualify for a modification based upon us not making the required 3 "trial payments"; and that we are still in foreclosure proceedings, giving us the options of a short sale or deed in lieu of foreclosure. Really?! How generous of you to keep us in foreclosure since we are no longer past due. So just for laughs, I called the number for my personal account manager...surprise, surprise...I got her voice-mail... Now after 15 months of this treatment, I still never even got a kiss.

Lastly, a lawyer said that before even paying anyone anything, it is needed to write to the State Banking Department Secretary. For PA, it would be Mr. Glenn Moyer. Make sure letters have many facts. Find every piece of paper and you write the representatives' names, time number and information given. Keep good files. If all else fails, contact the bar association for your state to refer an attorney to you. Be careful with these companies that say they can get a modification for you by using an attorney in your state. Get the name of the attorney and look them up with the local bar association yourself. It makes me angry that these "lawyers" and other companies really want thousands to help you; when this money could go towards your mortgage payments.

The HUD hotline counselor was worthless. The BofA rep cannot access anyone to correct their mistakes. We just spent $500 on inspection and appraisal to ask for reconsideration. The BofA executive office will not call or write back. Mr. ** in charge of monitoring banks’ compliance with the 4/2012 court decree is 'waiting' for banks to report loan mod progress after September so DOJ and OCC complaints are useless. The CA State Attorney General has noted our complaint and doesn't do individual assist. HUD Hotline is a joke. Home ownership is no longer a good idea. Don't believe any blogs or ads about successful mods. Just don't pay, don't leave and make every politician pay by complaints and occupy movements.

We never missed a payment and we paid online but they forced us to pay by check and never cashed them. We have lots of equity and they moved fast on us, forced us to apply for modification but the whole time behind our back they went to court for foreclosure. We never even got a court date to go. They even sent us someone else's paperwork, but I see people doing this for several years. They took less than a year while I was waiting for a decision for mod. Instead, I got a letter for sale of my house. Do not trust them and it is done on purpose. Regardless what others say, "Why would they want another house?" because they are making more money with foreclosures. Do not trust attorneys that make it sound simple. Also, there are a lot of them that are no better than BOA. Do a background check on them and call the Federal Trade to see if they are for real.

Now our case worker, Howard ** at BOA, won't return my calls. I called a supervisor and they sent him an email. Today, he is still not answering my calls. BOA is much of a joke as Countrywide. What upsets me is that we went to Quicken Loans to get away from Countrywide and they sold the mortgage back to BOA and didn't even notify us until a month later. My husband has had a heart attack, is paralyzed from the waist down and with all the stress they have added to us, I am afraid it may take him down further. Is there anyone out there willing to go after BOA for the scams they are pulling?

By the next day, they had paid the whole next year of that too. And it's only October. Neither of these are even due until January. I called them, and it went around and around - ** stories about how the taxing authority requested payment because I was late, etc. I called the tax office, and they said there was 0% chance they would have called them before the tax bill was past due. Finally, I got someone who told me that an escrow account is required when a Making Home Affordable application is submitted. But not only did I never submit an application, I never even inquired about the program. My search at the time showed BofA was getting hammered for not participating in the program when they took their bailout. So now, they were making up applications.

So, I had my own plans of how I was going to pay my taxes (about $10k) with a 0% credit card and airline miles, and I did quarterly billing on my insurance. I had never been late on either ever and never been late on any mortgage in over 15 years of being a homeowner. So now, BofA says, "Well, you owe us $12k. We take cash, check, or money order." After going back and forth with them, I was told that if I can get the escrow deficit paid down by the next escrow review (about 9 months), I could call back and they would delete the escrow account. They also stated that they would refinance the mortgage for me as well and would roll in that year's taxes & insurance.

While in the middle of trying to catch up their error by paying close to $4k/month on my mortgage, I lost my job. But I had made a solid living and was pretty financially responsible. I continued to make the payments and catch up, until I had covered it all. As promised, they deleted the escrow account. But they wouldn't refinance me, because now, I didn't have a job. But I did. I was day trading in the stock market and making just as much as I always had when I had a job. They wouldn't accept that, because I didn't have 2-year history. So now, I figure, I might as well take advantage of this whole modification thing, since I'm considered "unemployed."

First, they said I couldn't apply, because I had already turned down their service (when they made up my application). Once I cleared that hurdle, I continued to get turned down for complete ** reasons. Finally, a rep at BofA said, "As long as your current on your mortgage, they won't accept you." So, I skipped 1 payment in January 2011 and waited 30 days. Sure enough, I'm now eligible to apply. I went through the process, yada, yada. They lost my paperwork, said I didn't fill paperwork out right, etc. It's the same as everyone else's, except in every instance, I proved to them that I did. I cooperated and was timely every step of the way.

Then I got to the final stage where it goes for approval, and it just simply stalled. Nothing, until suddenly I got a certified letter from BofA's attorneys saying my property was going to be sold. After several calls were escalated, the system "auto-generated" the foreclosure process, because my package was incomplete by the due date. But the rep, who was working my case, "forgot" to scan the last set of documents into the system and caused chaos. Note to anyone still reading: If this happens, get an attorney. Once their law firm - which is just a fancy collections office - gets a hold of it, it's almost as good as gone to the courthouse. Trying to get it pulled back takes extreme measures, which I did. I won't go into that detail, but I'm still in their process today with another foreclosure date set for August (Yes, 2 years later.).

The government modification process is bad, but not even close to how bad BofA's own "modification" process is. No one calls you back, even 3 or 4 supervisors up the chain. They can't interpret basic financial information, and they simply must all be smoking crack. Seriously, these people are either high or retarded. This was the beginning of a death spiral that contributed to and has left me broke, stressed, depressed, suicidal, soon-to-be homeless, and soon-to-be divorced. Bank of America needs to be shut down! Enough empty promises and unethical practice and misuse of "my" money as well as other hardworking taxpayers'.

I saw another, very similar review posted here. Is this it? We just post to no avail? I have reached out to HUD, BBB, CCC, FHA, and it seems will now be forced to seek legal support in this matter. Those of you that have applied for the loan modification and find it to be a hoax, add me to the list! We were told we were missing documents, yet there has yet to be anyone that can explain what document is missing. "Go figure." To me, it’s a way to assure we all fall on our faces and the bank gets to run off with all of our missing money, only to ruin our credit ratings while pretending to have a program in place geared at "helping” people retain their homes. In fact, it is just the opposite.

I'm tired, frustrated, yet determined to fight. I work hard for my money and I've invested too much in my home to let them steal it from me. Hopefully, I can get resolution from one of the agencies that may still be honest. It's sure not B of A. Good luck all.

How can a bank sell a mortgage where a payment has not been made for over 3 months? Hopefully, this new bank will work with us; otherwise, we will most certainly be looking at foreclosure. We thought we were trying to be good by short selling our house instead of just foreclosing and trashing it. We are in this situation because we could not refinance since we have been working 4 jobs to make ends meet after we were both laid off from previous, much better-paying positions. Those 4 jobs barely cover our expenses but make our income too high for us to qualify for refinancing. If they took into consideration our second mortgage, we could easily qualify. The whole system is out of whack.

On 6-26, Paquita said I would have to start the process all over again and she would send me a new application. As of today, I don't have the package and now the loan has been sent back to Trott & Trott and a sale date has been set on my house for Aug 15th. All I want to do is modify my loan and keep my property. The property is worth only $144,000 and I owe $265,000. Why won't they work with me? Their business practices are unethical and they won't follow up. I've escalated to Paquita's manager, his manager, her manager and all the way up to Terry ** and his admin assistant. And no, I haven't had a single returned call. This is out of hand. BOA has ruined me, my credit and now I risk losing my business because of them.

Desperate, I accepted a position that requires me to commute up to four hours a day since BOA said I would be eligible if only I had verifiable income. Now that I am employed, they are denying me because I can afford the mortgage payment based on my current salary. This is true to a point. BOA is failing to factor into the decision that the only option they have given me on the past due amount and penalties is to pay it off over a 12-month period. This would more than double my mortgage payment and I would have almost nothing left for other living expenses. My condo is worth about 1/3 of what I owe and I can't understand why BOA won't let me work something out.

I have received a lot of communication from BOA, but nothing that clearly describes the basis for denying my requests. I feel sick, depressed and angry. I've cried too many times to count at this point. I want to pay. I want to stay in my condo. I want to meet my obligations. I have 30 days to move based on the foreclosure date. May you burn in hell Bank of America. I will never recover from this.

We sent all coupons in. They cashed the checks. Then, we started getting mortgage coupons sheets (like we have been for several years), but none of them had an amount so we continued to pay the amount they told us to pay and waited for the new mortgage papers to show up. Well guess what? They never showed up. They cash our check every month. When I called the number I had for the mortgage refinance department, they never return calls. Now we got a letter saying we are not paying the full amount of the mortgage payment and they are going to start default action by July. Every time I call the numbers I had, they will not call back.

We finally got a hold of the people on the letter and they told us to send the information again, so we did. When I called, I got a different person in charge of our accounts' voicemail and they never called back. I would like to point out that we were never behind on our mortgage until we listened to them. I have researched Bank of America re-modification scams and have read hundreds of people going through the same thing. I am so sick to my stomach on this whole matter and it gets crazier. Now they are not accepting our checks. No matter what we send them, they send us a check from Bank of America, not ours, and it is never for what we sent.

Then they did their inspection, came up with a listing price for my home. I recently obtained an offer from someone, the bank countered 3 times with the final amount they wanted being $7,000 over what they said we could list it at! The buyer wasn't approved for that amount. It took them 6 more weeks to come to that decision. More wasted time! I tried reaching my account manager, got voicemail, as usual. Another rep answered and wanted to update my personal information. She had contact information from 10 years ago! What happened to all the info that was submitted within the past 6 months? I still have not been able to reach my rep. Now, it's down to the final days and it will be going up for auction or foreclosure. No wonder there are so many foreclosures. I feel sorry for anyone working with Bank of America mortgage. Their customer service is worse than any business I've ever dealt with, and I'm in my 50's. Good luck!

They have come by my house and taken pictures of it while my children are outside playing, and sent me numerous foreclosure documentation, phone calls, etc. But when you contact them about it, they say "No, we just haven't updated your loan yet. You’re not in foreclosure". I cannot refinance my house or sell it because my loan is in limbo. Bank of America is holding me and my family hostage, harassing us, causing us great turmoil and anguish and no one can do anything about it. This is un-American. How can this company have so much power over millions of people?

I have actually gotten to the point of where, although I can afford to make my house payments and live a comfortable life, I am considering walking away from my home because of the stress and harassment that I receive from Bank of America. For me to say this is a huge deal. I worked my tail off to save money to buy my home and provide a home for my 4 children.

I am a single mom who does not receive any child support or other support and I was so proud to have accomplished this goal. Bank of America has taken all of that joy and pride away and is showing my children that Corporate America is able to destroy the little person very easily. It's a shame that Bank of America is not really the Bank of the American People. They are the Robbers of the American People's Hopes and Dreams!

I was under the impression that we were in agreement as to the importance and urgency of this process, yet I have been very dissatisfied with **'s performance, as well as her lack of availability in completing the process. In order to help you understand my frustration, however, I would also like to include the following timeline of events: I talked to ** over the phone on more than two separate occasions since April 24, 2012. I talked to **, her manager, on more than three separate occasions to inquire about **'s performance. Perhaps it is possible that ** is busier than her manager or that she simply has weak communication skills, but I cannot be sure at this point. I called ** more than 20-30 times, but I could not reach her directly and she did not return any of my calls. I also left multiple voicemail messages over this 30-40 day time period.

So at this point, I began to wonder whether ** was purposefully ignoring me. If this is the case, this sends the message to me that the Bank of America ignores its customers. May 22 was my closing date with Bank of America, it did not happen. The HUD closing date was on May 27, 2012, ** could not finish. The worst scenario, according to **'s manager was that the new closing date would be May 29, but ** came up with a new list of 9-10 required documents. One of these documents was supposed to be completed and submitted by her. For instance, she was required to submit the homeowner association certification. ** asked ** to request that from the title company by May 24, 2012. However, I received no word about whether ** had actually followed up with this item.

Another document was the power of attorney. I emailed ** the POA on April 30, 2012. To my great disappointment, ** discovered that she had uploaded the wrong file on May 29, 2012. As a subsequent result, the entire set of submitted documents would have to go back to underwriting process in the waiting queue. Whenever I ask ** whether my documents were fine or I need to make any corrections, I was unable to receive any answer whatsoever. Again, such service forces me to ask a simple question: Is this how Bank of America satisfies its customers? There are some more items I will list, but I am tired of it. In summary, Bank of America promised me that they will close by May 22, 2012. But today is 7-10-2012 and my loan is still not closed. I am just tired of Bank of America. If you're ready to face similar action, you may try to get loan from Bank of America. Have fun!

$2,667.76 was the amount I had been sending since the mod went through. It is the amount on the statements. I then phoned Bank of America and after several voicemails, was told to deposit the check and remake the payment. Starting on July 2nd, I was trying to contact someone from Bank of America to make my April and May payments. Left several voicemails with several people. Finally, I got Michelle ** on the phone on July 10th. She told me my loan was in foreclosure and couldn't accept any payments. I then talked to a manager who told me Michelle ** should have known the correct amount of the payment when I made it, but there was nothing he could do at this point. We were 4 months behind and that puts us into foreclosure.

The payment should not have been sent back and if it wouldn't have been, we wouldn't be 4 months behind. I told him that I could make 2 payments at that point and he said he couldn't accept it, but he could speak to their lawyers to figure out another payment plan. He would get back to me in a couple of days! We know how that goes. If my April payment would have not been sent back, I would be 2 payments behind and able to make another payment in 2 weeks. It seems as if they are playing games. I am constantly shuffled to different people who say they will get back to me and don't. I don't know what to do at this point. I just want them to accept back the payment that should have never been given back in the first place and take my May payment. They are making it impossible to catch up.

I told the rep I just got papers to say, BOA is there to help. They listed different ways but I don’t qualify. BOA is the worst! No help. I really think they are trying to collect as many homes as they can. They are trying to set a record of swindling people out of their homes. They ask you to complete all documents to tell you, you’ve missed something on, and on, and on. Then, they take your home. This means nothing to them. The reps must get a bonus every time they do a reject. BOA? They are the worst!

July 9, 2012: A few hours after posting about July 6, I got a phone call from Blanca (a new name) who was calling as a debt collector from Bank of America from the office of Elise **. They called me but ask my full name, social security number and load number. I told Blanca that we are doing what Elise asked and the papers were on the way again. She connected me to the voicemail of Elise. Even though they called me and I ended up with a voicemail, I told Elise, or whoever got this message, that we're cooperating with their bosses and to get on with their life so I can get on with mine.

I should have left a message for Elise which mentioned information I read on http:**. B of A corporate culture and management style is a health hazard! If you subject people to a stressful environment, they will behave and decline as such. This is counter-productive... ding, ding, ding! It's HR 101, for God's sake! No human being can be expected to effectively produce under these conditions long term. During my brief employment, I took notice to the overall health of those who had been there for more than five years. Obesity, COPD (which can be a terminal illness), high blood pressure, fibromyalgia, bulging discs, sleep deprivation, shingles, prescription narcotic addiction and worst of all, an extreme sense of self entitlement. One way or the other, the constant stress from unreasonable expectations for production will eventually kill you.

There was more. It's important for leadership to recognize bullying in the environment by leadership. If you take a look, you will see unusually high levels of the following: staff turnover, sickness absence, grievance action, disciplinary action, stress breakdown, suicide or attempted suicide, death in service, customer complaints, ill health retirements, early retirements, and reorganizations.

Blanca and Elise at 1-800-669-6650 in Texas should be aware that Bank of America was given money, their tax money, to end the mortgage crisis. B of A and Brian ** have not exactly been operating in good faith. The property is in NY and it's the law that all this stuff has to go in front of a judge. I wish nothing but the worst for Brian ** on his summer vacation. While he and his types spend our tax money, there are people without homes and have no idea what the future will bring.

We have been told that the qualifying point for many of their programs is being behind three months or more in payments. We are not willing to stop paying our mortgage and ruin our credit to qualify for relief from what we consider an excessively high interest rate in the current housing market. Bank of America has also suggested a repayment plan which would require a significant increase in our current monthly payment over a 12-month period. If we are asking for assistance with our rate that we are now paying, how can we afford to enter into a contract which would require us to pay more? This is a recipe for financial disaster.

Additionally, even though the aforementioned payments were missed nearly 1 1/2 years ago, Bank of America continues to reflect this on our credit as if the missed payments have occurred within the last 2 months. My wife and I have a folder that is 3 inches thick from all of the calls we have made and the threatening foreclosure letters that we have received from Bank of America. Bank of America was not forced to purchase Countrywide (our original loan holder), but they should be willing to help those that entered into questionable ARM loans like we did on our second mortgage when we originally purchased this property 6 years ago.

I currently have a file folder that is over 4 inches thick of proof. They suck and one hand doesn't know what the other is doing. They lost our application three times, FedEx'd us someone else loan application, and continually claimed they never received faxes or information from us. Hello? I faxed BOA from BOA. The settlement dept. is informing loans to remain at least 2-3 months behind, in order to remain eligible. (Do not do this.) Then, they turned over our loan to some lawyer and started foreclosure without notifying us.

We received a letter dated 6/28/12 from the lawyer's office that we are in foreclosure and a short sale will be put on our home in 30 days time? The next letter we received dated 6/29/12 was from BOA station our loans is with their review committee, and that it doesn't mean that our home is in foreclosure. So, I am going round and round yet again with reps with no clue as to what they are doing; back to sending e-mails to 3rd party advocates, a division of BOA that has no phone number, e-mail only; back to "We didn't receive you fax, ma'am," though I have the confirmation page from your own freaking bank.

I am going to lose my home due to ignorance and neglect of BOA. I only did what I was told on a recorded phone call that there is now no record of. They're a bunch of snakes. Instead of doing the right thing when the government bailed your monkey butt, you screwed the little guy.

4. Your loan closer failed to provide the seller/buyer lawyers with closing estimates & wire information prior to the closing deadline.

Due to BOA's disgusting way of operating, my fiance and I have spent numerous hours chasing many different BOA workers. We've had to pay for a storage unit to store our belongings as his apartment lease was up. We've taken a loss for the truck rental, and we've inconvenienced my new tenant delaying her move in date. BOA should be sold to another bank and their entire Mortgage department personnel should be overhauled with trained, knowledgeable, competent individuals who can comply with the 45 to 60 day time frame that it should take to close on a home. Consumers should not have to endure this when purchasing a home. This bank will suck all the happiness out of buying a home. They will make you never ever want to buy a house. Run from this bank!

For the first few months, I called diligently for status and was told my application was being reviewed by underwriting. Eventually, it went to calling once a month. Now I don't bother to call at all. I get a different call once a month from someone who says they are my loan representative. It's never the same person and their voicemail says they are only available from 5-7PM. Even these calls went unreturned. I'm to the point where they can have the house. It's not worth the stress. My credit is ruined. I'm in a workout code in their system, yet they are reporting to the credit agencies that my payment is a year behind. It makes no sense to me. I just want my unapplied funds back so I can pay to move out.

So my loan sits in limbo and with each phone call I receive or form letter simply stating one of the three entities as my investor. I fire off another QWR stating that until they provide real documented proof as in the form of my original loan documents showing all endorsements of true sales, I'm not paying. I will not play their game and ask for a modification or refinance as they have no authority to take any action against me. Homeowners need to understand this and start not paying on the principal that BofA has absolutely no proof of any such sales or any such lender. They have only a photocopy of my original loan documents which is worthless.

I in good faith continued with the process, thinking that I would soon get some relief. (My income was cut in half after a layoff in 2009.) This has yet to happen. My home is now in foreclosure, and I am now attempting to pull it out by paying past due balances and fees by any means possible! One positive note, the employees in the foreclosure department seem to be far more qualified and are much more consistent than any I have spoken with until now. It's a shame that it had to get to this point in order for me to gain a clear understanding and try get things caught up. After a ten-month modification process with BofA, I am ready to throw in the towel!

Notes to those still dealing with the process: 1) Every document submitted must have your loan number written on it; otherwise, the docs are immediately disposed of. 2) CRMs will call you back within 24 hours if you speak with someone in the foreclosure department and you ask them to send your CRM an email. (An employee with the foreclosure department shared this with me, and it worked twice!) Good luck! You'll need it!

On December 5, 2011, I contacted BOA through the website as agreed upon on January 1st and 15th and there was no response. On January 23, a Heidi called me to say that I can pay 1/2 the mortgage payment for December, January, February and will be reevaluated in March to see if I meet the modification requirements. She stated that this will not impact my credit report. Needless to say, I asked if this is my modification, why was I not sent any correspondence to these terms? She stated I received a letter. I never received any communication. If I had, why would I have paid the $1898.65 for December and January? I asked to have the correspondence resent and to this day I have not received a letter. I sent document after document and was advised that they never received any of the documents. I produced fax coversheets, resent documents and to no avail. I heard nothing. I made phone calls, sent emails and there was no response. I even called the supervisor and I have yet to receive any letters.

April came and I got an advisory from my credit watch that BOA has reported that my mortgage is 2 months behind and I got a letter that if I didn't pay a large sum of money by June 9, 2012, my house would be accelerated through the foreclosure process. I called BOA and spoke with Heidi and another gentleman in the modification department. They told me that the loan department and the modification department are separate and that they don’t know that I am going through this process and to disregard notices (certified mail). They certified mailed me the foreclosure notice, but they couldn't send me a modification notice. So, they finally sent me an email through the third party that my loan modification has been denied and that they will send me a letter. That was on June 14, 2012. Can I say I have yet to receive a letter, a notice, or anything?

I did receive another email from the "loan department" stating that my house was moving to the foreclosure process, although I paid the outstanding amount that they said I owed on June 1st. What in the world! Oh, I forgot to mention that Bob stated he doesn't know why Heidi would tell me that this would not show up on my credit report. So, now in my search for employment I cannot get a job in my field because of my poor credit rating due to BOA. I even tried to call another company to see if they could try to refinance me and was told even though my payments are current, they are unable to assist me because BOA has reported that my payment was late for 2 months and my credit scores are in the toilet. How can these companies get away with this? What can I do to keep my son and I from being in the street? Why is it that honest people trying to do the right thing are put on the street? I paid every month, never had a late payment in 8 years until BOA advised me to pay the 1/2 payments and this is how I am treated as a customer?

The information requested was information I had already provided and information that Gladys **'s co-worker had forwarded to her. This is now 90 days. Lisa ** has a new job, Gladys ** has a new job and I still am no closer to closing my refinance. I reached out to Lisa **'s new boss and old boss, both of whom stated they are unable to help me at first. Then due to 90 days passing because of Bank of America's error and oversight, I am then forced to provide yet additional documentation to them for me to save approximately $100/month by refinancing. They want 2011 tax returns, 2010 tax returns, 2009 tax returns, to pull my credit report again, detailed letters explaining deposits into my bank account, an additional three months of bank statements, additional two months of pay stubs. Again, I provided the details to them. I then decided to copy the President Brian Moynihan on my email because my frustration is escalating to the point where I don't know what to do.

I just want to make my life simpler and hopefully, be able to afford heat this year while looking for a second job so I can keep my modest home without falling behind in payments. I need assistance, someone who can help me finalize this nightmare of a loan yet no one within Bank of America seems to care about their customers.

After nearly a year of accepting our check, BofA contacted us to say they will not take any payment at all so every month we put our payment in escrow. Were it not for BofA, our credit would be in great shape and we would be contributing to the economy. Repairs on the house and purchasing a new car have stopped until we know where our life is going. Our lawyers have written letters to Secretary of HUD and I wrote to President Obama. How does BofA get away with it? The Federal Government gave them money, our tax money, to help them with people like us. We are 63 and 58 and are starting to experience health problems from stress and very little sleep.

On June 18, 2012, FedEx delivered a package of new set of papers for us to fill out. The papers came from Nichole ** (a new name to us). We will fill all the forms out again but we recognize the papers as things we've done before. Six hours after I posted on Facebook and my own website went online, I got a call from Steve **, (a new name) and a person who said he understood and would put out matters in the fast lane. He told me I would hear from someone within the next 48 hours.

On June 20, 2012, we just got a FedEx letter signed by Nichole ** dated June 19 that says, "Your loan is not eligible for a modification because you did not provide us with the documents we requested." The letter did not say exactly which items were missing. For two and a half years we have given BofA everything they asked. Meanwhile, while Nichole's letters showed up at the house at 1:30, Elise ** (a new name) called my husband's office and said she is now our account relationship manager and our single point of contact for all matters related to our account. She is the fourth single point of contact we have had in the last year or so.

Ms. ** said she is committed to getting our situation resolved and to being able to offer us some kind of resolution to things. She told us she is going to email me her contact information and a list of what documents are still outstanding. She listed three items she needed. One document was given to BofA in April '12 and another in May '12. The third document isn't even available yet, even to us. As of that evening, everything was signed and faxed to the number she gave us. My husband made a follow up call but there was not an answer nor do we have her address.

I started my own website. When I find articles and stories that support my anger, I post it and somehow I feel better. All victims just want to get on with their lives but I seriously doubt if we can until the banks get someone in the White House they can manipulate and buy.

I have since written to the CEO and President of the Board twice now and included copies to the Treasury, HUD, Missouri Attorney General, Fannie Mae, Dept. of Justice and various political figures. All I am asking for is professional and fair dealings, but Bank of America is incapable of such actions. It is a shame that our government does nothing to bring such failed financial institutions to light and make them accountable for their actions.

Today, June 22, I missed the news story about BOA & their loan modifications. All I know is that there's trouble. I googled up past stories that say they inflated house appraisals and gave out more sub-prime type loans. I heard the day before that many loan modified people were defaulting, with the news not saying if they were originating from any particular bank, but I can make a good guess as to who is the worst bank in the bunch.

I'm reading a lot of negative things about BOA's practices.

The bottom line is, I now can't even find out what the letter said! I did call the supposed principal of this rep whose voicemail also stated one day turnaround on the call. There wasn't, still haven't heard from him and have placed my second call to him and my first to the 3rd level boss. The third level guy at least does not promise a call in one day. Wow, unbelievable. If I did this with my teaching job that is regulated by the state, I/We would be all over the news. Where is the federal government? Is this not their program?

So during this time, we have fallen 2 months behind on our mortgage and Bank of America seems to show no interest in helping us, even though they know about our financial hardship through all the paperwork and the hardship letter we provided. Also, my primary contact through this entire process, who was always available to give me updates and answer my questions, I can now not get in contact with him (or his manager) for the last 3 weeks no matter how many voicemails I leave. It's frustrating because we even would consider refinancing or any other option to get a lower mortgage payment, yet Bank of America shows no interest in helping us with any of those options either.

The problem then became worse because then BofA started to keep large amounts of school taxes to the point that my prepaid taxes paid into my mortgage every month and with not one payment missing, my taxes disappeared. I pay $220 in my mortgage every month this year. Insurance was paid in May for $391. BofA started to charge me an extra $4 in January calling it an insurance increase. This was a lie and my whole year's worth gets paid in full in May and was paid in May 2012. Then my county and city taxes were paid $812 in full on March 1st. This was to leave at least $1,300 in my escrow to cover taxes for school due in August. My taxes that I have been paying including an $8.25 cushioning for 21 months never went into my escrow account. As a matter of fact, I also paid since May of 2011 an extra $14 a month to cover some after grace period fees.

Last month, my statement for Bank of America read -$38. Since I have no late's at all and all my payment have been made every month with none missing (which I can show), then there should have been at least $1,300 to $1,400 minimum in my escrow account. Bank of America has been billing me for taxes and keeping those taxes. I refinanced with another bank in fear of losing my home. At settlement, they were shocked to see the lousy number of refund response from Bank of America of $143 to be refunded instead of $1,400.

Also, Bank of America made me pay all of after grace period fees all over again because they never put one dime of the $14 increase per month from last May of 2011 to those fees (total of 12 months of $14). My school's taxes are what they stole. Taxes for West York Borough get paid in full every August. My escrow read -$38. I can prove I paid every mortgage payment and that my taxes are included. Also, taxes for my borough did not go up for 2011-2012 year so the cushion I also paid of $8.25 x 21 months should also be refunded. I had to pay approximately $4,500 or more to refinance because I knew with all the school taxes missing, they were going to illegally put me in foreclosure.

The gentleman who works in Bank of America in Lancaster, PA told me he is aware that Bank of America has put a lot of people in foreclosure who never should have been put in foreclosure. Last but not least, a check in the amount of $200 came today as a settlement reimbursement from Bank of America. I am taking copies. I also saved my complaint and correspondence to the Attorney General's Office.

That following Friday was when everything went downhill. I received a phone call from a woman named Rosie, who was my BofA contact. Every time I called BofA and put in my account number, I would be transferred to her. Three weeks later, I still had not received a modification, and when I would call my appointed contact, all I ever received was a voicemail that stated my calls would be returned within one business day.

Four months later and 20 calls later, only one was ever returned. I received a letter stating I was declined for my adjustment for reasons of my gross monthly income being too high and the bank adding $900 to my gross monthly income. I appealed the decision and provided more paycheck stubs and tax forms, and it was declined again for the same reason. The only person I can ever talk to was my appointed account manager Rosie, and she has no clue what was going on or why the calculations are so incorrect. It seems Bank of America has no interest in helping homeowners to keep their homes or assist them with any type of customer service whatsoever. I am still awaiting a return call from Rosie.

After being told by Mr. James of BofA that I qualified for this loan in front of witnesses, he told me that I must pay a $400 upfront appraisal fee that would be refunded upon closing. Now why would there be an appraisal of a property when the issue and purpose of the refinance under TARP was the loss of value below the existing mortgage balance? Nonetheless, Mr. James assured us this was standard procedure and was necessary. He furthered we should not worry because I was already qualified. The closing date was set for 5/22/2012.

I waited patiently, and in the interim, I received several calls requesting copies of a document, which I complied with. My last discussion with Mr. James or his crony revealed "Don't worry, Ms. **. We are almost there!" Finally, two days before the closing date, I received a notice from BofA that my application had been rejected because "My application was incomplete!" I called the number and contact person listed on this letter, asking them to explain to me exactly what was missing from my application.

They have so far ignored the request. So, I have concluded that they never intended to refinance my home in the first place! Meanwhile, Bank of America has taken more taxpayer funds under TARP than any other bank. Not to mention, they have settled more lawsuits for predatory lending than any other bank! Bank of America should be banned from using America in their name and should be charged under RICO laws for their fraudulent practices!

The sad thing is if we don't hear by Friday, my buyer will walk and we have to start all over and find him a different house to write on. And on top of that, he will probably never refer me to other customers even though there was nothing I can do, but wait to hear from the other realtor who has the listing with Bank of America, who won't get back to her! Worst experience ever. The other banks all communicate with you during the process and for the most part, keep it rolling fast during the process.

It is obvious that BOA did no investigation on this company. But what does BOA care? They made their money on my loan by selling it to Ocwen. BOA is a foster child for "American greed". Yes, I was one of the tax-paying citizens that bailed their butt out of trouble and this is the gratitude they give their customers. I will never deal with Bank of America again.

I spoke with a female who told me I could call in on 5/31 and make the payment for $25 and to check on the status of the $120 check. When I called in today, I was told the account was in limbo and that no one could take a payment, that I could always mail one in and that there was virtually no way to let the company know that I was trying to make the payment. I guess I am supposed to help the mail service get the payment there before I get sent to a third party agency.

I am dissatisfied with all the misinformation and with the fact that we all know there are a lot of people who choose not to pay their debt and the fact that I am trying to pay my debt and there is no resource for me to get this issue resolved is wrong.

After a week of not hearing from BOA, I emailed an inquiry about a closing date. I was informed by the underwriter that the loan application had been cancelled due to my noncompliance with requests. I was also informed that BOA had not received documents forwarded by my real estate agent and insurance agent. I was able to provide my loan officer at BOA with proof of successful transmission of all of the documents requested. We were able to get an extension for closing from the seller and I was under the impression we were back on track. My loan officer went on vacation for a five-day weekend. The next day, I was informed by the underwriter that I was short on funds to close on the home and the loan would not be reactivated. This was incorrect. I had three times the amount available to close on the home and had sent proofs of this on two separate occasions.

My loan officer was on vacation, but he left me contact info for his supervisor. The contact info was incorrect, but I was able to locate the correct information on a previous email. I emailed the supervisor and the underwriter, instructing them where they could find info about funds available for closing and offering to resend the info. I received no response. When the loan officer returned, I contacted him. He had been copied on all of the correspondence I had sent while he was gone, as well as correspondence from my real estate agent and the seller. Again, no response. I was just informed this afternoon that the seller has terminated the sale and after two months of trying to close on this home, I am back to square one. I am also out about $1,200 in appraisal and inspection fees. I must say, however, that judging from many of the other complaints here, I am relieved that I did not get a mortgage from BOA! Good luck everyone.

On the day she was told there would be no sheriff’s sale, we were notified it was sold, right from under us! My mom is over 65 and she has several major medical problems, including MS, fibromyalgia, a brain tumor and spinal problems. We have been lied to and I feel she was taken advantage of because of her health and age. Why am I writing this? I am hoping to bring to light the greed of these big banks and the outright illegal ways they do things! Furthermore, I am trying to give a voice to those wounded vets that come home not only to lose an arm or a leg, but lose their homes, and older Americans that are taken advantage of, along with disabled people! This is pure greed! Plain and simple. I should know: my mom and I are victims of this! This needs to stop! I am sick of reading about people that have these loans and are forced to pay more than the actual value of their homes, or when the mortgage rates go up with no notification! We need change! Are they now too big to fail? Or are they just too big to care?

What really gets me is that the CEOs and bank executives get big paychecks while we have homeless veterans, people losing their jobs, malnourished children, and people who are forced to choose to make mortgage payments or put food on the table or pay for life sustaining meds. It’s quite obvious that these big banks do not care. All they want is their money. Who cares if someone has an illness or a wounded soldier defending our country? Yes, the people of these banks returns home to find out he or she has no home. My heart and prays go out to those folks. It stinks that these banks can do that. How can these people live with themselves? This is the result of being taken advantage of, lied to, robo singing, and the fact that she is over 65.

The agent found another buyer who would take it as is and with all the same conditions. We signed all the paperwork to make this happen. Four days after telling my agent that the sale would wrap up in a short time, they foreclosed. The real twist is that they sold it to this same buyer for the same price using the same agent after the foreclosure. Just that my credit is ruined because of the whole thing. I have gone round and round with them about this. I have two letters from them that have conflicting and misleading information that is 100% contrary to the sales documents we signed. They have given me "contacts" to call that either never return my call or are never available. I have never met a company that treated a customer like this and managed to stay in business. I feel that I have a possible suit for breach of contract or similar things.

After several phone calls (none of which had the same answer), I was told to hold on to my payment until I received the mortgage documents from BofA. I was assured that my payment would not be considered late. As soon as I received the new mortgage documents, my husband and I paid the house payment, which was assessed a late fee because it was past the grace period for the month.

After many phone calls to no avail, we just accepted that we paid a $40 late fee for the month and moved on. By the way, they never bothered to send any payment coupons, so I had to pay on the Web ($6 fee), pay on the phone ($22 fee), or drag 3 small children to a branch and go in to make the payment because I do not have any accounts with them other than the mortgage.

In January, 2009, my husband's company was bought by another company and his pay schedule changed, effectively creating a hole for us at the beginning of the month when all of our bills are due. Both of us called BofA to ask if we could give them biweekly payments, which would end up giving them an extra month's mortgage at the end of the year, but would allow us some breathing room and keep all our bills current. We were told no, they do not accept partial payments and that our contract stated that their payments are due on the 1st and that is their policy in every case. That's not true, by the way, as I have a family member who has a mortgage with BofA and hers is due on the 15th. So, we have tried to pay by at least the end of the grace period to avoid any late fees, which can be trying.

In October, 2010 I needed urgent surgery and was out of work for 2 months. Even with disability insurance it was tough trying to make our house payment. We called Bank of Crooks, I mean America, and explained the situation and asked if we could skip a payment but tack it on to the end of the loan, if we could pay half, etc...anything they could to meet us halfway as we wanted to honor our obligation but just needed a little help. Sheila sent us to the retention dept, whereby Greg told us if we could come up with one month's payment, he could put us into a program that would help us with our payment due date, which sounded like a lot of confusing double talk to me, but what do I truly know about mortgage banking? So we dipped into our children's college funds, came up with the money, took it to the bank, and called them to see what program they could put us in. We were told that there is no program, all we did was stave off foreclosure for another month. (But we were only 2 months behind. )

I was at the point of just being ready to let the house go, but my parents came to our rescue and loaned us the money to get current with the mortgage. One week after we paid our past due amount, I received a FedEx package stating our house was going into foreclosure. Of course, calling received no answers from anyone. Finally after 2 days of leaving messages without receiving return calls, I actually got to speak with real person, who said she had no idea where those documents came from, because our house wasn't in foreclosure.

Mind you, EVERY single month I have had to pay a $40 late fee because they are unwilling to bend a little. I have tried to find another bank to do a refinance, but with being late, we have been turned down because there is a 30-day late showing on the credit report and you must be at least a year from any 30-day late payments to qualify. The other day, I went to a branch to make the payment for this month, and when I complained/explained our situation to the "personal account rep," she just shook her head in sympathy and said that the mortgage dept of the bank is notorious for this kind of behavior. Obviously, from reading all the posts on here! She also told me that "I could get fired for saying this, but I work here but I don't have my mortgage here." What does that say about this business? There has to be something that can be done. This is nothing but a racket.

I’ve contacted the BBB, Federal Reserve, Consumer Compliance, Atty. General, etc. I've had a three way conversation with my so-called rep from BOA (third one since Feb), a counselor from H.O.P.E the other day. Emma, the BOA rep said she’d have to have a couple of days to go through my paperwork. Really? You mean you send out denials before you even have the paperwork gathered and uploaded to your computer? When the counselor from H.O.P.E (Mallory) said the conversation would be taped, I'm like “absolutely!” the BOA re? “For quality purposes only, right?" Got something to hide? Uh, yeah. Anyone else wants to join my bandwagon. I'm not going to lose without a fight.

Barn was only covered for $30,000. Insurance had estimates to fix barn from $30,000 to $50,000.We went to Bank of America branch in our town and planned on getting caught up on back payments (2) and pay some ahead, then start doing clean up and fixing the barn ourselves. The insurance company told us that we could fix it, tear it down or do nothing. The Bank would not cash the check said that BAC Home Loans needed a Letter of Intent. That was given to them; they faxed over paperwork to fill out for a licensed contractor.

We were not going to have a licensed contractor do it because my husband was laid off work and would be more than capable of working on the barn himself with help from friends. They would not agree to this and would distribute money to contractor. We have been back and forth with the bank. Then on October 17th, I received a letter from a lawyer out of Detroit area saying that the house is in foreclosure. I ran the check to the bank that day and wrote another letter of intent to just put the money on the house that we would do anything with the barn. I needed to save the house. I faxed to BAC Home Loans the insurance estimates on Jan. 4th 2012.

On May 14th, I received a bill in the mail from my insurance co. that we needed to pay over $1,800 for insurance on the house. I called BAC Home Loans to see why and this is when I found out they sold the house on Dec. 2, 2011 to an "Investment group," I think that I got out of them, Bank of New York. I have not received anything about this. Michigan has a 6-month redemption period. It is up June 8th 2012. I talked to a lawyer on May 16, 2012. He pretty much would listen to my story and said that we need to find out what happened to the $28,000 check.

I went to my insurance co. and told them that I just found out that the house was sold on 12/8/11 and I needed to find out what happened to the $28,000. They got on the phone and found out that the check was cashed on Oct. 28th 2011. I fell apart in the insurance office. I can't believe that the check was cashed and the house was still sold. The insurance co. is waiting from the adjuster to find the check to see who cashed it. I went to the bank branch and asked for a payment history.

In July 2011, we were only 2 months behind and that was the last payment that we made with one of the insurance checks that we received. There is no record of the $28,000 on the payment history. Where is the money? The check was cashed; where is the money? We could have been all caught up and would have been able to pay more ahead if they would have cashed the $28,000 check in July and we would still have a roof over my family's head.

I tried contacting a couple of lawyers to see what we can do. Are they scared? They are just flabbergasted and don't say much and don't know what they can do. OJ Simpson got off and there is no lawyer that can see there is something wrong here besides me being behind on some payments, bad communication. I'm learning my mistakes. If I've got to leave my home, I need to at least get that $28,000 back to find someplace for my family to live since it isn't going to be used to fix the barn. Not that Bank of America is going to cry, but I'm pulling my accounts, personal and business, and going to find another bank.

Then on December 14, 2011, I made another phone payment with a representative in which she accidentally charged me two mortgage payments and overdrew my checking account. Being that it was right before Christmas, I was forced to do a checking account advance through my bank to cover the funds that should not have been taken out of my account. I contacted BofA regarding the matter in which they told me that the only thing I could do was stop payment with my bank and then process another payment with BofA once the funds were back in my checking account. So that cost me $50 for the advance and $30 for the stop payment fee. I then proceeded to get my $80 that was rightfully mine from their mistake and did not get a check back from them until four months of harassing them. I have paid my mortgage on time every month.

Now this last month, I get a statement and letter from BofA stating that I owe $174.48 in late fees and that the payments I have been making since January 2012 have not been applied to my mortgage but are being considered as a partial payment. So now, I am worried about my credit score! To top it all off, no one from the company will talk to me accept my account manager who can’t answer my questions when I get a hold of her or return my calls. So after weeks of escalating calls, I finally get a hold of the VP of BofA who assures me her assistant will take care of this. It has now been days of leaving professional and courteous messages and the VP won’t even return my calls.

My title company has requested BOA to release this lien, but they have not gotten any response from BOA even after a month. So I got involved and called a couple of times to their customer service and every time, they opened a new ticket and keep telling me that they're still investigating this issue and don't have much information. It's been three weeks now since I got involved but no luck in getting lien release. I have provided copy of the original home equity line of credit mortgage contract that was signed with Country Wide Bank in June 2003 and also a copy of my credit report that shows BOA is holding lien for that account even then. What's taking so long?

Because of this I'll end up paying more on my refinance now. This is the ridiculous customer service I have gotten from one of the biggest banks in America. This is the reason I'm going to stop doing business with this bank.

In Oct 2009, after paying the agreed modification amount, I received a letter that they were going to foreclose. I immediately called BOA to find out why. I was told the modification didn't go through because of a lien on my property. I took 8 weeks for them to understand the only lien was BOA. I requested manager after manager and promised call backs and was told I would have to reapply for a modification. After fighting that, I was slowly finagled into reapplying and was told I didn't qualify because since I got a second job to fix my arrearage, I made too much money. WTH. So I'm a hardworking citizen trying to make things right. Then on Dec. 28, Nikita called and said they made a mistake and to sign these new docs which was $50 more. It wasn't the money, it was that they were identical to the one I already signed and paid on. I had to return them by Jan. 1.

I asked how this protects me as they are the same. How can I know I won't pay for another 10 months and I get a new notice that they are foreclosing? Her response, "we can't do that". What? They did just that. Without having time to review with a lawyer, I decided to just walk away as I owe $260k and 2 houses down just sold for $54k. Then I received a request for all the documentation to apply for a mod. They just told me I don't qualify. They take advantage of people that are helpless and confused. They are liars and thieves. The government really needs to step in and oversee these operations. I was penalized for working 2 jobs to make sure this doesn't happen again. I was willing to pay the $1,700 payment for the next 27 years, but they chose to take it as a loss for about $30k. After all, costs are involved because their tax break is probably more profitable or the reps of the phones are following a flow and can't think outside the box.

I am now going to walk away from this piece of crap house with plumbing, energy, termite and roof leaks to rent a house for far less than what I would have to pay them and no worries in my head. I will never ever deal with BOA again. After reading all the similar scenarios where they tell you don't pay, oh yeah. I got a refund check for my modification payment on 2/28 and a day later, that my short pay was applied to the balance due. WTH BOA, get it together and figure out what the left hand is doing. A bunch of ** with no common sense. Really? I was willing and able to pay them the $1,700 a month for the next 27 years, but they're opting for foreclosure which will make them $30k at most. Oh yeah, my last statement said my loan term was like 24 years. I have a 30 year from 2007. They're clueless of what's owed and the courts should not allow them to foreclose without the original note. Banks are crooks.

My mortgage was sold to the same company that wouldn't refinance me before my first payment was even due. Go figure. BOA should be incarcerated for fraud. All these CEO that rip people off, make all the money while the employees do all the work and take pay cuts, and the mortgage companies refuse to take partial payments even though over that month, it is the full amount or more or they charge you to make bi-weekly payments. Total crooks. I had BOA for my checking too and I transferred money at 10:30PM, which was no longer available in that account but it didn't process until the next day because it was past the cutoff and I was charged $70 in overdraft fees for overdrawing less than $30. It's all a scam. Keep your money in your mattress!

I've been trying to go through a modification process with Bank of America. However, Bank of America is not willing to work with me due to their explanation that my mortgage is held by privately owned bank (which is Kearny Federal Savings Bank) and that Kearny Federal Savings Bank is not budging to modify my loan. As per their response, they do not have any programs that I qualify for, because my mortgage is not Fannie Mae or Freddie Mac. However, I called Kearny Federal Savings Bank and they have no opposition to modifying my loan.

I even searched for other banks to refinance to get a lower interest rate but no bank would refinance my property because I owe on it more than its worth. It's such a disgrace for Bank of America to treat people this way! The only reason I owe much more money on my property is because within 7 years that we've purchased this property, Countrywide (at that time) and Bank of America made me refinance twice on this property and only my closing cost for both times was about $20K. Now, I found out that my mortgage was sold (without my knowledge) to privately owned bank (Kearny Federal). Why wasn't it sold to Fannie Mae or Freddie Mac?

Other mortgage companies are telling me to put down at least $30,000 to lower my loan, and then I might qualify for refinancing at a lower rate. Unfortunately, I do not have such funds. I was planning to hire a lawyer, however they are asking for $3,000 or more for their services which I'm not able to afford.

On 08/2009, I turned to NACA for help, since their services are free and they promised to help me. On Dec 22, 2009, NACA submitted a proposal to Bank of America for a rate reduction from 6.75% to 4.00% for the life of the loan, but it was declined. After I drove to Washington and joined the Save the Dream event, Bank of America counter offered the rate deduction of 4% for 18 months only, which was $400 of savings on a monthly basis. At that time, I was so desperate and accepted the offer. I was able to pay my mortgage and never missed a payment since then. However, the 18-month deal is over now and the payment is increased from $1,800 to $2,200, back to 6.75% as of June 1st, 2012.

I've tried calling Bank of America and realized that neither modification department nor advocacy department are willing to help me. Meanwhile, on their website they are offering assistance if somebody is having a Financial Hardship and qualify for all their regulations. I will not give up fighting with Bank of America until they reach a fair agreement and will be willing to work with people as myself who are having financial hardship.

Since that time, my wife and I have asked for a loan mod, principal reduction, etc., but Bank of America said they could not help us until we missed a payment. They told us that once we missed a payment, we could get a modification. Taking this advice, my wife and I missed a payment and then tried talking to Bank of America. They told us that we did not qualify for a modification because we missed payments and because we made enough money to pay the monthly payment. We were then instructed to do a short sale. Eight months ago, we started the short sale process and then yesterday, Bank of America denied our short sale request because we can afford the payments.

The next step would be a foreclosure, but I can't do that because come September, I will get hit my Capital Gains Tax on the house because I am no longer considered the primary residence (must have lived in the house for 2 of the previous 5 years to avoid the capital gains tax). The reason we started the short sale process was to beat this deadline, but now we can't. Bank of America has assured my family of financial struggles for the rest of my family's lives. Bank of America could have done what was best for them and us, but instead wanted to stick it to us. Bank of America is truly the worst, and I honestly believe they are linked to our government, and together they are bleeding Americans of all of their money. It is sad to think that Americans no longer help Americans.

In addition, these banks are the reasons why house prices inflated to begin with. As usual, the bottom man on the totem pole gets it. We were lied to over the past several years, and now I am stuck. Thanks, worthless B of A.

Then a month later, I got another FedEx package from BOA where they wanted pretty much all the same docs again. Again, I faxed all the docs multiple times to the fax number they provided. I called multiple times to simply confirm they received the docs. I could only reach their voicemail. Now last week, I finally got a call from one of the reps at BOA and she was telling me that she needed some docs from me that they requested and I "never" sent to them. After a couple of minutes of back and forth, she finally found 1 then 2 and 3 docs I faxed them. She still was missing few docs and asked me to send it to them. I faxed everything again. She said she would call to confirm she got the fax. Yeah, right. No call from her and repeated calls from me only get me to her and all the other numbers I can get following her voicemail chain, voicemail. Unbelievable!

People at BOA are normally rude and very cocky. I don't enjoy being talked down to like I am child and that's even if you get a person, half the time you get voicemails, put on hold or hung up on. After the call, I got a letter telling me they want x amount of dollars by June 6th or they will take it to the next step. All they have to do is work with us to keep us in our homes but instead, they rather foreclose and have the homes sit here empty and more than likely, be stripped from the inside out. What a choice. If I would have known I would be going through all this when we decided to buy a home, I would have kept throwing my money away on rent. If we are so willing to help other countries, why not help our own?

Then 3 days before settlement day, BofA called and refused to take the deal. At that point, I had already moved, signed a 2-year rental contract. On the other hand, my house had been sitting empty for 2 years since then. I was beyond furious at BofA! During the 2 years, I applied for modification and was declined twice. I applied for Deed in Lieu and was told that I had to pay $15,000 to BofA for that to be approved. Now, the Department of Justice and state general-attorneys are asking banks to work out modifications for troubled homeowners. I received a letter from them, asking me to meet with a mortgage consultant at a local branch to discuss my options. So I did in April and gave them my paperwork. Three weeks later, I received a letter from BofA approving the modification, reducing my principal by about half and lowering my interest rate from 6.875% to 6% (big deal since the rate out there now averages 3% or so!).

Here is the catch, I don't know how the hell they calculated my monthly payment, but it came out to 42.5% of my gross income and over 50% of my net pay. I've been calling them, and of course, I never got through to a person. I waited a day for them to call me back. Then, when I told them about the ridiculous monthly payment they calculated and asked them how they came up with that number, of course, I couldn't get an answer. Besides they showed no interest in reviewing and verifying what I told them; they just basically told me that "It is what it is" and told me that I must make my 1st trial payment by 6/1/12, because if I don't, then it would mean that I decline on the offer. Then the next day, I spoke to a manager and found out that they calculated my income incorrectly. I asked them to rework the numbers.

They then told me that they couldn't guarantee that it would change anything. I told them that there's no way I could afford the payment they worked out, since it's only $355 less than my original mortgage payment a month. Common sense, if I could make this new payment now, then why the hell would I default on my original mortgage at the first place since the difference was only $355? I asked BofA why after the modification, the debt ratio is over 42% of my gross. I thought it was not supposed to be more than 31% of gross income. What she told me made me laugh in disgust. She said that's not true about the 31%. She said if my original mortgage is over 31% of my monthly gross income, then I would qualify for a modification.

So explain this to me that if that's the case and you modify my mortgage because my original mortgage is over 31% of my income and yet, you approved me a modification with monthly payments way over 31% of my income, wouldn't that throw me back to the same qualifications to apply for a modification again? I mean, BofA grants modification to fix the debt ratio, right? So what's the point when they still give you a modification like this? I think this is what they're doing. The DOJ and state attorneys are putting pressure on them to reach out to homeowners to help them save their home, but BofA really doesn't want to do that. So to satisfy the government, they pretend they're doing us a favor by approving modifications but with payments we can't afford and don't make sense. And BofA knows that we will not be able to take the modifications.

So now, they can turn to the government and say that they've done what they were asked to do but that the homeowners are not complying and declining the modifications. So now, it's the homeowners' fault. Then BofA will ask the government to compensate their loss in the mortgages they tried to modify. I wish the DOJ and state attorneys know what BofA is really doing to homeowners. They just play us and use us to get more bail-out money from the government. What the government needs to do is to close down BofA for good!

Whenever I spoke to a customer service rep, they told me they either were not aware of the repayment agreement, did not have to honor it or I had to redo the agreement using one of their modification products. They have tried to get me to do loan modifications (which I am not happy about since I feel I already paid my debt in full). Despite my resistance to a loan modification, I did try to get one on three separate occasions since they threatened to foreclose last Fall 2011. Each time, I ran into a brick wall (never received paperwork, told I didn't qualify, told the offer was off the table and I was declined because I missed a deadline). This has been going on since November of 2010 and after a final review with Carl ** of the President/CEO office, I have been told they will not help to bring me current (this decision came on the heels of another guy in same offices that told me they screwed up and would bring me current).

Carl **'s rejection letter reason was they honored the forbearance agreement from the beginning, but I failed to make correct payments when my escrow increased in Jan 2010. It confuses me that the escrow increase was only three months after they notified me I had a $1,900 overpayment, so this makes no sense. I feel it is unreasonable of them to jerk me around and threaten to foreclose when all monthly payments and repayments have been made. It is unreasonable to dangle loan modifications as a way to correct the situation when they are unable or unwilling to even manage that process to fulfillment. It is a lose-lose for me, the loan holder, and very sad that even though I have made every payment to them, they can still conceivably foreclose on my home.

I explained the situation and submitted it in writing, and nothing. The last incidence occurred this week. I composed a letter and attached this year's cancelled checks to show them their error, since they have begun sending letters of foreclosure and a certified letter as well. I cannot afford an attorney, so I guess they will foreclose on the house, since there is no way of communicating with someone who can correct the problem.

We were great long term BofA customers. It seemed like it should have been easy, but it was not. We faxed over 400 pages of documents to them. Many times they were lost or claimed no one got them. We had to resend several things up to four times! They harassed us about my husband's nationality. He is a permanent resident with a green card for 20 years! He works full time and pays taxes here! We had to get the Swedish Embassy to handle this situation (and again, we are existing customers but now this was suddenly an issue). We were harassed about the $30 on a Kohl's card even though it was charged one month and paid off the next (Christmas gift). Same thing with a $60 Banana Republic card. We were told we didn't have enough sitting in our savings to close (even though we showed them $25,000 in our savings, which was the amount asked). It was one thing after the next month after month. Someone went on vacation and then our file got transferred to someone else. Left hand never seemed to know what the right hand was doing.

I spoke with a manager who promised to follow our case through to the end, and she turned out no better than the rest. The Charlotte office is a mess. I was the one driving this entire process along for five months. (Yes, they gave us two extensions because they could not get their act together.) We are in NY and we requested that they remove the CEMA tax (it's a NY thing). Promises, promises...this also fell through. They said yes for two months before they even started this process (and it fell apart too). They asked us to pay off a car (only $3K) and I did it same day. It seemed as if they were trying to think of things to turn us away. It really did feel this way. They stood to lose a little money and we were to gain a little money by doing the refi. They were most unhelpful.

I called and emailed at least weekly if not more. I was very quick to give everything they asked. This was a HUGE trial of patience. Sometimes they would not return my calls or emails for a week or more and sometimes not at all, but I was persistent and would keep calling! Finally, after five months, they told me I would need to give them $25,000 up front for closing and that they also had to extend my loan to a 25-year instead of a 20. Um, hello, we only had 26 years left on our current 30-year loan. This is what finally caused me to say, "Enough! No, thank you, BofA!"

At that time, I started researching on my own. This just seemed crazy that someone would not want our business. We have excellent (almost 800 credit scores each) and no debt. I quickly found another bank who did want our business. From start to finish, the process was under 30 days! I closed yesterday on my refi with a new bank. The process was so easy! Also, I qualified for the HARP program and this is something that BofA never told me! I did not have to give a dime at closing and no PMI. Yes, BofA said we would have PMI too with the refi due to the economy crashing and the house losing much of its equity. We are not underwater though by the way. So, no money up front, no PMI. I actually called my mortgage person at BofA to ask why he never told me about HARP. He said, "Oh, you don't qualify for HARP." I said, "Really? That is not what my new bank told me." He checked and said, "Oh, yes. I am sorry you do qualify. Would you like us to help you with that?" (Five months into it, no thanks!) Bye bye, Bank of America!

The last straw occurred when my husband tried to make the regular payment at a local branch of BOA before the payment was due, and was told that the account was "locked" and they could not accept the payment. We called Monica ** at BOA and was told she had to "unlock" the account before the payment could be accepted. We were told in the beginning that once you start the modification process, that you can't be late on any payments. Ms. ** assured us that she would unlock it and call to advise us.

That was 10 days ago. We still can’t make a payment and can’t get a return phone call. (As always!) And now, we have received notice that we are in foreclosure, even though we were assured we were still going through modification. We can get no info from anyone at BOA. They will put nothing in writing to you about your modification or the procedures regarding the same. It is my opinion that they are intentionally forcing you into foreclosure by their business practices.

Today, I am waiting for another packet from her in order to apply again. I have been off work for nearly a year due to illness, and I am 4 months behind in payments. So I got this letter offering me $3k to hand Bank of America the keys to my house I have lived in for twelve years. Next week, I return to work and will receive my regular pay as opposed to fifty percent of it, which is what I have been living off. My doctor has warned me that if I don't stop stressing, I'm going to have a heart attack and die!

Shame on Bank of America for treating their customers like crap. They don't deserve to be called the Bank of America. It's a disgrace to Americans.

Almost two weeks later, no check came in. So I called again just to be told that I should wait 7-10 business days and if it hasn't come in, that I call again. I was frustrated but accepted it. Ten business days later, no check came in so I called again. This time the rep called the department that handles those check requests and he put her on the line with me. She told me then that they put a stop payment on the check because they made a mistake. The check was written for someone else. So I asked, “How could that happen?" She said she doesn't know. This call was last Monday, 4/30. She told me that she will send another check request, but this time it will be overnighted due to the delay and issues that arose, and that I should get the check Thursday, the latest Friday.

It's now Saturday 5/5 and the check has not shown up. What is wrong with Bank of America? They are holding up my money. The loan has been paid off over a month ago. I am so mad at them. I tried to call today and even though on their website it says they are open on Saturdays for mortgage-related calls, their system said they are closed. What a nightmare! They messed up with my mortgage payments in the past and that is why I was so eager to refinance my house so I can leave BOA. And finally I did. I thought the nightmare is over. Boy was I wrong! I don't know what else to do to get my money back from them other than call them.

I finally contacted the manager's number that was on Ms. ** voicemail and couldn't reach the manager either (Melissa **). I began this process in November and asked Ms. ** how long the process usually takes. I was told on average, it takes 7 days to get a decision and at this point, it was January. Ms. ** was not properly educated on the new loan modification process because she had a hard time answering my questions. Finally, in March after I called Ms. ** several times, I was told I was approved and I was very happy. The reason I was happy was because the loan modification said based on your income, your payments can be lowered almost $800. Now this was based on the website, nothing that Ms. ** said to me. I just want to make that clear. According to Ms. **, my payments would still be over $2,000 a month and that was about $150 savings.

I asked Ms. ** if this process would affect my credit because I was told that it can. Ms. ** was not able to answer that question and so I advised her I would call back because I wanted to check with a lawyer first. The lawyer said it will affect my credit and how it would report to the bureaus, so I decided for the low amount of savings I would decline. I wanted to give a clear background of the situation before I state my problem. I contacted Ms. ** to make a payment every month and when I couldn't reach her, I spoke with an agent at Bank of America to make a payment. I normally would pay online after I set up online account because it was easier. However, when I tried to make a payment online, after I first applied for the loan modification, I wasn't able to because according to everyone I spoke to, you cannot make payments online during a modification process.

In March, I contacted Ms. ** to make a payment and believed it was processed. In the end of March and the beginning of April, I called back several times to ask to have the restriction lifted off the account so I can please make a payment online for April. Ms. ** said she would have it done and should be lifted in a few days. So I waited a week and still nothing. I called back and Ms. ** said she put in another request and again, nothing done. I called back and Ms. ** said she would take the April payment for me by phone but since I had a lack of trust in her, I was afraid that she would put the wrong date and felt more comfortable setting up the payment myself online. Since I called her far in advance to needing to make the payment, I decided to wait for the payment restriction to be lifted.

Finally, the restriction was lifted and I noticed it said that I missed my March payment, so I immediately called Bank of America and the agent who answered confirmed that a payment was missing. I searched my bank records and found that no payment had come out. I called Ms. ** and she did not answer, so I left a message. I contacted a manager in customer service by the name of Adam, or at least at the time that was the name he gave me. I explained to him the situation and that for whatever reason, the payment didn't post and would really appreciate some kind of courtesy because it was an honest error on behalf of Ms. ** or the systems for it not posting. Well, that is where all the problems began and I finally understood what all the people were telling me about how much they hated Bank of America and constant problems and poor customer service.

Adam was so very rude to me and talked down to me and treated me like I constantly paid my bills late and the worst part is that he lied to me. He scheduled a payment for me and when I asked him if my payment would be considered late or if I would be reported to credit bureau, he lied to me and said neither would happen. The reason that this wouldn't happen is because during the loan modification process, payments were not considered late. I later spoke to another rep the next day who said he lied to me and that I was charged a late fee and was reported. The agent confirmed to me the same that Ms. ** said, that payments are not considered late during modification process even if they were made late. That agent transferred me to collections department where I spoke to a woman who said she would transfer me to a department that would help me, but she hung up on me.

When I called back to find out her name, there was apparently no notes that I spoke with her. I contacted Melissa **, Nekita **'s manager, to express to her my concerns with how Ms. ** had treated me after the fact and how she was disrespectful. Ms. ** said that she would address that with Ms. **, but declined giving me a grace period to make my April payment even though she works in retention and I had never had any late or missed payments before. I was lied to by several agents at Bank of America and I have proof of the amount of times I have contacted Bank of America and Ms. **. I also have proof supporting the fact that I did not know that my March payment wasn't received because my April statement shows no past due or carry-over charges from the previous months. I am the one who contacted the bank and tried to resolve the situation as soon as I became aware of it.

The lack of concern and compassion for the situation is disheartening and disgusting. I understand the department that was handling the loan modification deals with clients that haven't paid their mortgages for months and in some cases, years, as expressed to me by Ms. **. But my hope was that I would be considered based on my individual account, not against all the other customers that Bank of America has. I have never been late before or missed any payments and was hoping that would have been looked over before the late charges and the report to the credit bureau. I am hoping that from this letter, I would be taken seriously and that this is a big matter. I started the loan modification in hopes that it would help me lower my payments and just make things a little easier. However, it backfired and affected my credit score and ability to do other things for years to come.

I would like the late charges to be credited back to my account and I would like a letter to be sent to the credit bureau retracting that I was late. I would like a full investigation into the accounts that Ms. ** handles because when you are dealing with people, their money and their livelihood, it is important to have someone who knows what they are doing and cares about people. I work for the retention department at a large telecommunication company and would never treat people the way that Bank of America has treated me. My credit report shows no late payments or missed payments for several years and should show proof of my desire to wanting to have a positive credit history. To go back to what I was stating earlier, Adam the manager either lied to me about his name or the notes on the account given to me by an agent was not noted properly. According to the notes on the account given to me by an agent in Tempe, Arizona by the name of Natassja, who by the way was very kind, said the manager's name was Anthony ** (spoken to on April 10).

I will be contacting the Better Business Bureau and Consumer Affairs and whoever else is required because this is not only wrong, but it has become very unethical. I will provide phone records to show how Ms. ** only called me once during the entire loan modification process. I strongly recommend an investigation into Ms. **'s other clients accounts because it is important that this doesn't happen to other people. I have phone records that show the amount of times I called Ms. ** and am surprised that as my account manager, she didn't make me aware that a payment was missed if I called to make a payment for the following month. I will also provide a copy of my statement that does not show any past due charges so I would have not been aware that my payment was never posted.

I will provide any kind of information that I can to show that what I am saying is supported and that Bank of America claims to want to help retain people, but is only lying to customers to get them off the phone faster or to not help deal with the situation. I will continue to pursue this matter until it is resolved in a proper and respectful manner.

The next step was to send the mortgage payment through Western Union. Even though I can show the time, date and amount that was sent, B of A continues to charge me NSF and inspection fees. My loan has been current for years! Now, I make my mortgage payment online. Still more fees. How can I legally fight these thieves? I have documentation to prove payments.

We were not contacted until April 3 by a representative from BofA saying we were late in our payments. We have proof that we either paid the monthly mortgage payments on the first of the month or before the depending on when the 1st fell on the day of the week. We've been trying to resolve the matter with them, but we have been given the run-around. They transfer us from one department to the other, just saying that they cannot help us. As of this week, BofA employees are giving us different amounts that need to be paid to bring our account into balance anywhere from $1000.00 to about $6000.00. Since we started the process, we have dealt with about 10 different people that have been assigned to our case; each one has a different opinion and some of them we have not even spoken to them.

Recently, we have a person who walked up to the door with a list of names. He asked my name and I said yes. I answered, "What's this about?" He said, "This is about making sure you don't abandon your home, making sure you don't walk away." I said, "Excuse me. I have two children. How can I walk away? Who's going to take me in? I have my family here. I can't just get up and run off. I'm only behind two payments." I've been loyal for 10 years. This is a disgrace. This is what we get on a bad economy, people pushing you around for being late. Two payments after 10 years, Bank of America, are you kidding me? This is the thanks I get for being loyal to you. You keep denying my claims instead of modifying my loan to help me stay there. You're the worst bank I ever dealt with. I will email the president about this. I will contact the news media. You will not take me for a fool. I promise that I will never give up. Mostly everyone knows who you really are.

It continued with the following paragraphs: All terms will be adjusted and reflected upon actual dates and verification of deposit receipt, and any adjusted underwriter requirements by FHA guidelines for this loan. Borrower to present this certificate to their real estate professional, seller or home builder as proof that they have been approved for a home loan with Bank of America, NA.

The following day, I left on a ten day trip out of state searching for our dream retirement home. We located just what we wanted and placed it in escrow. I paid for the two inspections that were required by that state and returned back to California. I then paid for a termite inspection on our home and delivered it to the title company. I was shocked to find out the deal was off! BOA said they didn't have all the information required from the buyer. My first response was how could you issue an "Approved Loan Certificate" if you didn't have all the information? I proceeded up the chain of command of BOA trying to get an answer. I felt the least they could do was pay for the expenses that I put out during this ten day trip. I talked to six different individuals before finally ending up with someone in the bay area. We had several back and forth conversations with no results that satisfied me.

I finally asked to speak to her supervisor and she indicated that was not possible. I pointed out that I surely had the right to speak to someone above her. She finally indicated that someone would call me back. Five minutes later, the same lady called me back and said there was nothing they could do and that if I had further concerns, I should contact a lawyer. I had another phone number that had the same area code so I called that number and the individual never returned my call. I have been a member of BOA for forty plus years and I guess it is time to find new reliable bank!

On April 16th, I called Bank of America to ask a simple question and I get this same acct manager. I asked the question and she could not give me a simple answer. She said I owe Bank of America $20. I asked again how. I was told the same story again. I asked the bank manager to process the $20 from my checking account which she did. I asked her flat out, "How much do I owe now?" The account manager said that my account was was current and the $20 fee due will reflect on my acct.

I asked the account manager why when I called, I get her. Her answer was, "Oh, back in August 2011, you applied for a modification." I never got the process started because of the run around Bank of America customer service was giving me. I never ever received the paper work. The process was insane. I mean I felt like my head was spinning between one acct manager to another.

I was laid off in October 2011. I told Bank of America acct manager several times and I can't tell you how many times she gave me a number to call to explain my situation and each time, I was told "you cannot apply for this service if you are unemployed". I'm very frustrated because this is no time to BS me. Each acct manager should know what services are available for whom. I asked my acct manager to remove herself as my acct manager. I no longer want her to represent me in any form or fashion. I have tried for months to be nice about the situation. I've had it. I have become totally disappointed and disgusted with Bank of America service.

I am sending this email to ask that the account manager please be removed from my account. I do not want to call the bank and I'm told she is still my account manager. I have tried my patience with this person. Please, remove her as my acct manager. Please.

I reapplied for the loan modification. It's been a long process and I still do not have any answers. I was told they received all my paperwork which I sent 4 times. I constantly call and get nothing but the runaround. When I talk to my account manager, I'm told several things, different things. This week, I was told my application hasn't been processed and it had been a month since I was told they received everything. I'm so frustrated and been going through this since December. I just don't know what to do next.

After hearing news concerning the President's new program to save homeowners and their homes, I called back to BOA and requested further assistance in applying for a home modification hoping to qualify for one of the new programs. I met the criteria of being on unemployment for 8 months, from March to November. I was unable to connect with anyone except those in the collections department and they were of no assistance and you couldn't get past them to speak with anyone else.

On December 8, 2011, my wife attended the foreclosure prevention session sponsored by the Durham Regional Financial Center, Durham NC. On January 18, 2012, our request was submitted for modification. I. **, Loan Modification Processor, Durham Regional Financial Center, was acting on our behalf. On January 20, 2012, we received from BOA the first notification of foreclosure sale, Ln# **, 1st foreclosure hearing. "Please note that the hearing was continued to 2/28/2012 and the sale date was moved to 3/20/12 at 10:00 a.m. in order to release any loan information that is not public."

On March 6, 2012, our request for home modification file went to BOA for underwriter review. The home remained in foreclosure status. Communication from the bank slowed then stopped. On March 26, 2012, I received a letter from Kimberly **, BOA Home Loan Team, advising they wished to work with us directly, as the information from the HUD office was too slow and inconsistent. She needed additional information to continue the application. This letter was forwarded to our representative I. ** at the DFRC. A call was made to Kimberly **, as a follow-up to ensure the information had been received. I called to the number provided by Kimberly **, 1800-669-6650. This number was connected to the debt collections dept. I asked to speak with Kimberly **, after being placed on hold. No one knew of a Kimberly **. After being placed on hold, I was told she was in another department, and she can only be reached through e-mail. An e-mail was sent to a Kimberly ** to call the home number provided. The call was never returned.

On April 2, 2012, I called again the 1-800 number and asked to speak with a supervisor. I was provided a number of Nicole **. I was told she was the supervisor of the person, Kimberly **, I was trying to reach. I called and left a message 3 times, no response. On April 28, 2012, we received a letter from Stacy ** advising our request had been denied due our total mortgage requirements not equal to the 31% of my gross annual income.I called to the bank at the number provided and was again connected to the debt collections dept. I asked to speak to a supervisor; I was connected to a person named Jacqueline, 877-201-4218 ext. **. I asked her to connect me to either Stacy or Kimberly. I was told by Jacqueline that they (Stacy or Kimberly) were no longer associated with the case since the modification was denied. I asked if there was a supervisor I could speak to from that department. I was told the account had been turned back to this (Debt Collection). When asked who she was, she, (Jacqueline) titled herself as a Credit Advocate. I asked why I couldn't speak with the person that was taking care of my case. She (Jacqueline) told me she could resolve any questions.

I asked why the modification was turned down. Her reply was that I didn't meet the qualifications. I told her the difference in the percentage was $60.00! Jacqueline's reply was the investor was no longer interested. The investor who? No answer. I asked, "Why didn't the people from the Home Loan dept contact me to work through this matter?" She told me they were no longer assigned to that account. I asked, "Is there such a department, Home Loan Department?" No response! I asked, "Who can I talk to about saving my home?" She (Jacqueline) told me I could sell the property or take a deed in trust. I told her either way I would lose my home. No answer!

I asked her, "Is there any other way?" She replied, "Pay it off." I asked her, "I just started back to work. I am trying to make some arrangements to save my home but what you are telling is, I can't!" Jacqueline replied, "Pay up the interest and the back payments and ask for a reinstatement." But there is no guarantee they will agree to do it. I asked her, "Where can I get that kind of money?" Jacqueline replied. "Ask your family." End of conversation.

We have had two court continuances regarding BOA and their delaying tactics. We are no further along now than we were when we first started. In fact, we are right where we started. We are due for another court hearing in May. This is the consequence: Unless we can get some assistance or intervention, we will lose our home

In 9/11, I got paperwork informing me that my 3-month trial modification was approved and that I should call in each payment during those months. The first time I did, I immediately noticed the tone of the representatives had changed. They informed me that they are debt collectors! I asked what for? I wasn't behind in my payments and have a great credit score. They didn't seem to know why I was in collections. In 1/12, I got paperwork saying my modification was final. Two months later, I received a notice stating that my account was being accelerated and something about foreclosure! Stunned, I called BofA immediately and continuously for weeks! No one would talk to me and would only refer me to my relationship manager, Laura **. I left her 27 voicemails over the course of a week. I called her supervisor and her supervisor's supervisor and left them messages on a daily basis. This accomplished nothing. I never got a call back.

Finally, I called BofA and did not enter my account number, claiming that I didn't have it, and when I got to a human to speak to, I desperately begged them not to forward me to my relationship manager but to please, please help me understand what was going on with my account. It was discovered that BofA was applying my mortgage payments to the wrong account and they told me I hadn't made my payments in three months! Although, they had cleared my account! After five hours on the phone with four different customer representatives, it finally got worked out. But then, I received a check in the mail, first for half of my payment amount, saying they don't accept partial payments. So I cashed that and sent out a full payment. Then, a few days later, I got another check for the other half from them with same message! So frustrating! Sometime later, I got a check for $1 with no explanation at all. By this time, I'm wishing my loan never got sold to BofA.

I then applied for the 2nd loan modification in 2/12. I sent all the paperwork in twice and keep getting requests for the same paperwork. I've tried to call my relationship manager, who never seems to know anything about her job or how to do it, and for weeks I've called multiple times a day leaving messages and no one ever calls me back! I'm so fed up with these extraordinarily incompetent people. Good news, though, today I called the Making Home Affordable HOPE Team at 877-300-5454. They are a non-profit organization in place to protect homeowners and ensure that the lenders are following the federal guidelines for home modifications. The man I spoke to was immediately responsive to what I had to say. He conference called BofA and got someone on the line right away to explain the status of my modification. He accelerated my modification out of the BofA collections dept and assured me that he would be following up on my account and checking in with me in several days to ensure a resolution had been made. Finally! Someone who listens and helps! I encourage you to call and see if they can't also help you!

Since I did not have $30K to pay, they start the foreclosing process. Quickly, I hired an RE agent, and since I had a beautiful house in a very nice area, I got multiple offers. My agent presented an offer to Bank of America for $749,000 and while we were waiting on the bank to agree on the offer, they went ahead and auctioned the house for $471K and sold it for $651K. How this was possible, I have no clue! Later, I found out that the investor who bought the house knew about the auction from the Bank of America insiders. He made $128K in a month as he sold it quickly for $779K. I have no idea how a bank can do this as they could have completely get their first and second loan paid off.

The modification process went on and soon we had an offer from BoA for $900 more per month than our current mortgage. I said no, we needed to do something the other direction and was told not to worry, it was only for 343 months. I said no again. This was in April of 2011. I never heard from them again until now and my house, in fact, was sold back then and we have to move out. Today is much different in Arizona than a year ago as far as the real estate market goes. I can't get a rental, homes have gone up in value and I am in trouble. What legal options do I have? Any ideas would be greatly appreciated. I have not moved, but have been given an eviction notice. I now understand why they gave me an increase instead of a decrease. My home had already been sold at auction to Freddy Mac. My mortgage is $416k and the house is only valued at about $220k in today's market.

We went on with the modification process again and again had paperwork problems from BofA's side stating they never received faxes or emails. We finally got through that and was given an offer for our modification of an increase of $900 per month. This was around June of 2011. The sale that happened and was cancelled was in April of 2011. From June 2011 until April 2012, I never heard another word except that when I called they told me there was no sale date scheduled. Now in April 2012, I find out that the sale in 2011 was never rescinded and that I was now expected to move out. Freddie Mac still has the ownership from the original sale. What are we to do? I am looking for a lawyer to get involved with a $10 million lawsuit.

Bank of America had a link to apply for a reduction in principal. I did everything and put the paperwork together and was told I had to go to 7 Mile and Evergreen (very bad area of Detroit) for an interview. Immediately the counselor was more interested in me putting my home on a short sale. I told her I did not want to move and my house is worth $27K less than I owe after 14+ years of on time payments. Three days after I went there, I received a letter saying I was not eligible for the program. I feel the entire thing was a scam to bust up my neighborhood worse than it already is. The CEO's secretary claims it wasn't.

In February, BOA required us to us to release the property, write a new contract and start over telling us we could close in April. Now, we are three weeks out from our closing date and they will not sign this acknowledgment letter, which says they own the property that is all it says. The title company will not close us until this letter is signed and recorded with the city and made public. The city of St. Louis is running three weeks behind in recording of deeds so we will not be able to close on what is now the third new closing date with no idea as to when we can close as no one knows what the holdup is. The property address is ** St. Louis, Mo 63116.

Can anyone help me? The property has been vacant for over two years and one would think they would want this off their books. They chose to foreclose and take ownership but will not sign the acknowledgment. Thanks for wasting everyone’s time BOA.

When he calls you back, they have trained him or went out of their way to find someone who responds like unfeeling robot. If he thinks your voice is showing the least amount of emotion, he tells you immediately to calm down and not get excited. If you ask questions, he tells you to calm down and not get excited. When I ask when I will be getting the final paperwork for the modification, he said "whenever Bank of America sends it".

On Dec. 6th, all was looking good on the Dec. 9th, 2011, the bank said they got my paperwork to call in 20 days. Well in 9 days, they sold my house. Two days before Christmas, a man came to my door and said he work for the new owners. We had one month to move. We have lived in this house for 35 years, have 5 kids and 6 grandkids and one great grandson. I called MHA. No answer. Then the bank and they said we were not on a program. So we went to court to see if we could get more time. The courts are for the new owners, not us. I could even get the judge to look at me and hear what I had to say. I pay my taxes and the bank took my taxes money to help them and now they get my house too. I tried for three months to get an answer but they said they tried to call. Mrs. Angela ** did not get back to them. So why not call me?

Now the bank is having all the CEO's of all the banks (Bank of America) write me and tell me that they tried to call me and MHA. So I don't know if I am coming or going. We got no moving money on where to go and 35 years of things to move. What do you take and what do you leave? This house was my mother-in-law's house for 45 years. Just look in your home and what would you take with you? I almost lost my mine if not for the love of my kids and family. Someone should tell me what happened and why no one told us back in Nov. 2011 that they were not going to help us. We could have done something different. Now we have no home. How are the banks doing this? I have read a lot of story like mine and God bless you and your families. I know what you are going through. Can they do this? I want my house back.

In November of 2012, I received a letter "Notice of Intent to Accelerate". I called and they again said it was their fault and would correct the problem. They have been taking my payment and not applying it to the loan and at that point claimed I was over $30,000 past due. I have received multiple calls from collections agents who then apologized for the mistake.

Every time I call they have to send an e-mail to another department to try and resolve the problem and claim they will call me back. I have yet to be called back by anyone who has said they would. They still have yet to update the loan with the correct payment amount. They claim I am now $5,000 past due. Again, every time I call they admit it is their fault and they will correct the loan and the problems with my credit and have not done so.

I called the title agent back, and we conferenced in BoA. We then spoke with a customer service representative who added a person from the "payoff" department at Bank of America. After investigating the issue, it was found that the check had been received and was being processed by the payoff department. The person we spoke to after an hour of research (Niquea **) confirmed with my self and the title company that the payoff check would be applied to the loan and it would be closed out at the end of the day. Also, we were informed that the returned "partial payment" of $1000 was mine to keep when it was received, as it was included in the payoff amount's total that was quoted to the title company.

Today, April 10, 2012, I was contacted again by the title company. They explained that the payoff check had actually been returned to them with a letter that explained that it was a partial payment. We called Bank of America again on a conference call. They explained that the check was short $57.00 in interest that was accrued on March 31, April 1, and April 2. At this point in time, we offered to wire the payoff amount quoted at the time plus the interest accrued until April 3 (the date that Bank of America's payoff department assured us that the loan would be closed out and paid in full).

The manager (Erin **) we were speaking to today (April 10) said that they would not take any responsibility for their error on April 3 and that they are charging us interest for every day in between as well as however many days it takes BoA to process the payoff (at $19.55/day, in addition to the $1000 that they included and later sent to me for an incomplete payment a month later). After an exhausting 1.5 hour on the phone with Bank of America, we realized that they were not going to take responsibility nor try to resolve the issue with us. We asked Erin to fax a confirmation of the information on the payoff amount for today to the title company. She assessed a $30 fee for this fax without informing either of us.

I am complaining to BBB, because I should not be held responsible for Bank of America's miscalculation on April 3. They should have told me on that day that the loan was short in any amount and I would have addressed it promptly. Instead, they neglected to contact me and allowed the interest to accumulate without my knowing. As I previously mentioned, we were informed that the loan would be completed at 1210 on April 3, 2012.

I have never experienced such poor customer service. I almost feel like they are encouraged to take whatever they can from their customers. Although I am certain Bank of America doesn't care in the slightest, I will never use another BoA service of any kind, including their ATMs. I'm even going to change the channel if one of their commercials come on TV. This company is opportunistic at the cost and pain of their customers. They should be ashamed of their selves, every last one of them. I want Bank of America to refund the interest accrued between the dates of April 4 and April 10, 2012. Their representative informed me on April 3 that the loan was paid in full and I owed them no more money as of 1215 on that day. If we were made aware of the shortage and accrual on April 3 when we called to confirm the payoff, we would have promptly responded to the issue.

I have fax confirmation, email confirmation, and I started recording my phone calls to my representative, Scott **, as I read all the complaints of this process about BOA, and believed they were trying to put me in foreclosure rather than help me save my home. I have supplied everything they asked for and I am lucky I called my representative each time for clarification because if I sent in what their form asked, it wouldn't have been all of the additional information that BOA was seeking. I have left 3 messages and an email and have not heard back from anyone. I hope to save my home but have no idea where to turn now. I have no money for attorneys nor resources to pull from. I financed my home in 2005 with Countrywide that was sold to BOA. I am amazed that they can get away with this especially after their bail out.

I made the December payment. Then in January, my wife's hours were cut back to part-time. I called BOA and told them that I would be unable to continue with the larger payments. They told me, "fine Mr. **, just return to your regular monthly payments" which I did. The following September, I received some funds making it possible to catch my loan up completely. When I called to make the 2 payments I was behind, they informed me that I was 90 days late instead of 60. I said there must be some mistake. Upon further investigation, I was told that the 500 dollars that I sent in back in November of 2010 had been applied toward late fees and that caused me to go another 30 days behind.

After the dust settled, they agreed they were wrong to do this without informing me and they retrieved the 500 dollars and the amount of the December payment that was above my normal payment setting me back to only 60 days late. However, they still refuse to file a correction with the credit bureaus. All three show me as being 90 days late from December of 2010 through Sept of 2011!

Unfortunately, the day I sent two months worth of full checking account statements, along with statement of where the "large" deposits came from, I was told that the case was closed. The reason I was given was - Freddie Mac holds your loan and are not accepting any new loans that were started prior to December 1, 2011. I spoke to the person (in charge of my refinance) who stated "I am on your side" many times, but of course the refinance did not happen.

I contacted Consumer Financial Protection Bureau #855-411-2372 who is tracking response - Recommend to all to do same as they are as reported by them to be responsible for regulations of banks. They did contact BofA with request for response to my complaint. I did get a call from someone supposedly from office of the CEO of BofA. The only resolution offered was to start over.

I am fortunate that I do not have to refinance, but of course would save money if I did. So, at this point, I am planning on at the least filing in small claims court for the maximum allowed in my state of $5,000 for money paid out for appraisal and subordination of $200 (not sure where this money went as it was paid to BofA) and the amount of money I would have saved if BofA practiced truthful working practice and gave me the refinance. Continue on your reporting and I hope others follow my lead with suing BofA in small claims court, as they continue to get away with unethical and financially harmful behaviors to the many.

I called B of A every other week and was told to keep paying my trial payment - I should receive my final paperwork any day. 10 months later, I received a letter stating that because I had never resolved my other debt, I was being denied and had 10 days to come up with $4300 to cover all difference in my payments as well as late fees or they would begin foreclosure. I was horrified. I had to borrow money from my caregiver, who had to sell her other car in order to help me to not only to pay B of A, but also to hire a lawyer to file for bankruptcy. As soon as my debt was released, I reapplied to modify my loan. I began again in mid 2011 and have faxed, FedExed and e-mailed everything that they asked for at least 7 times. My account manager, Evelyn **, said she had everything that the underwriters asked for and I should hear something very soon.

As of today, I have heard nothing from Evelyn, but I received a FedEx packet asking for all of my info as if I had never applied. It said that if I don't send the forms in by May 2, 2012, I may face foreclosure. I am not behind on my mortgage! So, today I tried to reach Evelyn by e-mail and by phone, but the answering machine says that my account manager is now Sylvia and no one will call me back. I don't see why we can't file a class action suit against B of A if we are all having the same problem. My original mortgage was with Countrywide and was sold to Bank of America. According to Evelyn, the underwriters are Freddie Mac.

Bank of America has no intention in reaching a permanent loan modification or re-casting our loan. I believe B of A is giving us a run around to wear us down and then eventually foreclose. Their goal is to take our house after 10 years of on time payments, $150,000 approx, which includes 6 extra pre-payments of about $1,400.00 each and $20,000 down payment. We have been to mediation and successfully completed their temporary loan modification program, which reduced our payment $150.00 a month, taxes and insurance included. The temporary loan modification was reduced from about $1,400.00 to $1,250.00 a month. My wife and I are a small family trying to raise our 8 year old special-needs daughter, who requires 24 hours a day, seven days a week, adult supervision for the rest of her life.

Summary of my complaint:

Our primary residence/only home we own was purchased in Oct 2002 (1581 sq ft, 3bd/2ba) for $200,000 price through Countrywide with 30 year fixed, $20,000 down and 6.5% interest rate. I have excellent credit with over 100 mortgage payments on time, no late fees ever and no refinance ever. I was still employed with the same job for 6.5 years (Clark County School District, Computer Tech). Separation was in 2007 with multiple pay reductions.

First missed payment was in June 2010. I met with Bank of America on August 5, 2010. Bank said I needed to miss over 4 payments before they could help me, so I did that. I signed up for mediation in the fall 2010. I took mediation course on spring of 2011 at UNLV. I attended mediation on April 8, 2011 with Bank of America and a mediator. Temporary loan modification was reached for June, July and August 2011 for $1,250.00 approx. Successful temporary loan modification completed and acknowledged by the bank. More paperwork requested by Bank of America then denied permanent loan modification. Bank said permanent modification would be honored if we successfully completed temporary modification. Bank of America requests $18,000 plus in late/missed payments and junk fees.

Details of actual events:

I originally bought my home back in 2002 here in Las Vegas, Nevada for $200.000, using a Countrywide loan with $20,000 down, 30 year fixed, 6.5 interest rate, excellent credit of over 740 fica score. In 2006, I had a career change and took a job in the Clark County school District as a computer technician. I have had the same job for 6 1/2 years. Unfortunately, there have been many cutbacks in the school district and I have had more than two pay reductions. In 2007, my fiancé moved on with her life and out of our house and that is when I started getting roommates. That was fine for 2 or 3 years, until I had another pay reduction. I missed my first mortgage payment in June of 2010. Until that time, I had never missed a mortgage payment or ever been late on a mortgage payment. In fact, I have approximately 6 extra payments to reduce my principle during that time, as well as over 100 mortgage payments paid on time.

By this time, Bank of America has acquired Countrywide’s loans and I met with them on August 5, 2010 at a corporate office on Green Valley Parkway in Henderson. I was basically told there is nothing that can be done until I get more than four or five payments behind. So on the advice of Bank of America, I initiated their protocol in hopes of attaining some kind of loan modification, or even a recasting of the loan.

As the fall of 2010 settled in, I signed up for a mediation program through the state of Nevada to meet with Bank of America and a mediator. I also met with an attorney to seek representation for the mediation. I gave him a down payment but soon realized I couldn't afford his $2,500.00 costs. Through the Legal Aid Center of Southern Nevada, I found a Mediation class at University Nevada Las Vegas which I attended early in the year 2011. I was hoping this class was going to educate and prepare me for the mediation. Though I learned some great stuff, I'm not sure it did a whole lot for my situation. I also got married in March 2011 for the first time in my life. With my new wife by my side, we both attended the mediation on April 8, 2011, without any legal representation.

The attorney representing Bank of America completely miscalculated my income, thinking I worked a full 12 months a year. So basically what happened was I didn't agree with the income thing, but did accept the terms of a three-month trial loan modification of approximately $1,250.00 a month starting in June 2011. I questioned B of A’s attorney in detail essentially expressing my hesitation due to the fact I thought they would not live up to their end of the bargain, even if we lived up to ours. The attorney assured me if we followed their guidelines, my loan modification would be made permanent at about $1,250.00 total a month. I was hesitant to sign and was told by the mediator at JT Law Group it was a good deal and I should sign it. This was going to save us about $150 a month total from the current $1,400.00 payment. After realizing how my income was miscalculated, I contacted the Office of Comptroller and Currency about the miscalculation of my income.

After completing a successful trial loan modification by my wife and me in the fall of 2011, Bank of America sent us a letter of congratulations for a successful completion. They asked for all our current paperwork again, which we did. Then another letter we received stated we owed over $18,000.00 in back payments, junk fees and penalties. Needless to say, the wind was taken out of our sale at this point and we didn't know what to prepare for or what to do. Through the fall of 2011, Bank of America continued to send us a second trial loan modification packages. In October 2011, the state of Nevada passed new regulations and guidelines that banks needed to follow or could face financial penalties or even worse. During this time, I researched ways to save my home because it was obvious my bank wasn't listening to me, for example NCAA events, etc.

Early in 2012, through the Nevada Atty. Gen.'s office, the National Mortgage Settlement Act passed. This not only brought hope to my wife, me and our special needs daughter, but that even our Gov. of Nevada Brian Sandroval was looking out for residents of the Silver State by hosting an event at Cashman Center in Las Vegas for families and people trying to save their homes.

On March 9th & 10th 2012, I attended that event for over 10 hours. I basically gave all my updated information to Bank of America for the 4th or 5th time. Some of the information they accepted in my mediation almost a year ago was not accepted this time, specifically child-support for my wife's seven-year-old daughter. This time, the bank wanted the court order, which I had and gave to them.

As of today April 6, 2012, my family and I are completely in limbo due to what I think is completely negligence on behalf of Bank of America. Everything has gone silent. I imagine the bank will ask for all my information again in the near future. B of A accepted a $25 billion bailout by taxpayers like us back in 2008 to help homeowners who were still employed, originally bought a home with good credit, had money down, got real loans and never had any missed or late mortgage payments ever. We want to stay in my home. We have income, we have jobs and we want Bank of America to be held accountable for the constant charade they have been putting us through. We are tired of their run around games and the hamster wheel we have been left on.

We started this process in mid-February 2012, and it is now April 4 and all I have been told by Bank of America was that my "subordination agreement" is in underwriting. All parties--broker, lender, title company and me--have satisfied every request made by the Bank of America underwriter, including an affidavit stating that I have never had to pay dues to an HOA. I guess the title states there was an HOA, when the house was built in 1987; and their underwriter needed proof I was paid in full. I told them I have never paid dues and questioned why the lender who was actually refinancing my 1st mortgage did not make this a condition from underwriting. And I have tried to remind them that this is merely a subordination agreement, not a refinance.

I have had (3) anonymous title companies look at my title and all three have eluded to Bank of America as a joke. There is no way that this $19,000 2nd mortgage should have taken this long to process and sign this subordination agreement, unless you are Bank of America. They are so large and out of touch with their customers that they do not care that every day they delay finalizing this agreement, it costs me money. All they want to do is hold their greedy hand out for the payment I have made on time since June 2005. What am I getting for this payment certainly is not customer service!

From that point on, it was down hill. I was directed to a gal named Cheri ** who was less than helpful. I would check in approximately every week and every two weeks they needed something different from the underwriter. This went on for 2 months. Then I was informed Cheri had made a mistake and they needed to resubmit my refinance. That was mid January. And again I had sent in more info. It was like begging for money. That brings me to this week, Monday, April 2nd. Cheri had said the following week you will be able to sign papers for your loan and it should be final. But no! On Monday, I was informed I need to get another appraisal and I would have to pay for it.

There are some cracks in my foundation and had been informed I would need an engineered system and I should have known about the cracks. Well yes, I did know they where there when I bought my home 11 years ago. There was still no insurance that I would get a refinance with a second appraisal. I used a choice of words. I had had enough. It had been 3 months of nothing but headache.

I have been a valued customer of BOA for several years and that is how they treat their customers. I have always paid my mortgage on time. I have a high credit rating, I work extremely hard for my money and this is how I am treated. It really is too bad that BOA is not willing to work with me.

Finally, I contacted an attorney and filed bankruptcy and then in November started this loan mod process. I am experiencing exactly the same as everyone else's posts. I am on my second relationship manager, lost paperwork, etc. Because of this, BofA has now filed a foreclosure suit against me in the local court even though I have been in this hell of loan mod process for over 4 months. Yesterday, my relationship manager, Franklin, told me that he was no longer allowed to email me only discuss by phone. Really? Wow, it sounds like to me they have something they are hiding or do not want to be held accountable for. I cannot believe that our government is letting this company get away with all of this. I do not have a good feeling about any of this but I plan to forge ahead and if I must, I will sue Bof A.

BofA is showing my SS income as $2516.12, when it is only $2012.90. They admitted that my bank statements show the correct amount but said there was nothing they can do about it. One representative told me to go ahead and make the trial payment as outlined in the trial plan proposal (which I cannot afford).

The next day, a different representative told me not to make the trial payment, because if I fail to make subsequent payments, I would be disqualified from re-applying for the modification. Is there anyone out there who can tell me where to go (other than an attorney whom I simply cannot afford)? Besides, I've already been there. The shyster did nothing for me, except take my money. Please, someone, I need help!

When I originally called in January though, I hadn't started the modification process yet so I was transferred to a live person. That person collected a lot of information from me to start the loan modification process. He said I was pre-approved and would be sending me a packet to complete and return with the necessary documentation. I still haven't received the packet! I've been calling for the last several weeks and am getting really frustrated.

Now, I've received notice that my property is scheduled to go to sheriff's auction. I lost my job last year and fell behind on my mortgage. I knew when I called in January it was in foreclosure but the man I talked to told me I could do a modification and save my home. Now, it looks like I am losing it after all. I just don't understand why they never sent the packet and now they won't call me back. How can I talk to a live person?

On February 9, 2012, we informed Mr. ** as well as the escrow company of the short in the reimbursement amount made to us by BofA. After additional explanation provided to Mr. **, he agreed to the short of $86.25 that was not reimbursed to us by BofA. He repeatedly told us by emails (February 10, February 22, and March 12) that he is working to get us reimbursed. On March 12, he emailed that his manager is approving the reimbursement.

To this date, April 1, we have not heard from Mr. ** nor have received any indication that BofA is sending the $86.25 they owe us. We have given BofA enough time to work this out. We want BofA to send us, in this week of April 2, 2012, the $86.25 that they owe us.

The latest is I'm now on the second relationship service manager of the CEO's office even after they stated that I would only have one. Bina ** was the first. Of course, more documents to fax and never any phone calls back. She said three weeks ago that we were going to finally get an answer next week on modification. But two weeks went by and there was nothing.

Then, we got a letter saying that Darion ** is our new customer relationship manager. We tried calling but never called us back. Finally, on 3/29/2012, I was able to reach Darion ** and he said that he would need more paper work. It was the most recent mortgage statement for my income property that is also with Bank of America. I said, "You are the servicer of that loan, you should be able to pull that up right now on your computer." He said that they needed a copy faxed to them.

Well, after I got off the phone, I decided to call the 1-800 number on the most recent mortgage statement. I want to make sure that the loan is in no way connected with our main home loan. It should be just under my name as our main home is in my husband's name. They both have different account numbers. When I called, the automated voice said that I will be transferred to an account representative. And guess who answered? Darion **. I said, "How are you in charge of this loan? I'm not in default or asking for modification." Can anyone tell me how this works because Darion ** could not? Is there really a CEO's office with customer relationship managers? And what is a customer relationship manager anyway?

This is not the way to assist in helping consumers to sell their homes when they are in a dire financial bind, especially by workers in the system whose jobs are based upon riding on the backs of these consumers.

I received a letter stating that the only change to the loan was an added $4300.00 for attorney’s fees added to my new mortgage loan. There was never an appraisal done to the home and the value of what the market value of homes in the area, so I tried a short sale for 11 months. The bank dragged their feet. And as the home market kept decreasing, so did the value of my home. They assigned a third-party collection agency (AMO Recoveries) to sell the home. On March 20, I received a FedEx package saying I had till 3/29/2012 to continue with the short sale or enter into the HAMP program. I called them and told them I wanted to take my home off the short sale market and try to save my home with HAMP. I called AMO Recoveries to further get details about the program and found out that the account with AMO was closed.

I notified BofA and within 24 hours the house is in foreclosure. America needs to get rid and shut down this nasty practice of cutting people’s lives into poverty for the profit of several dollars. As of today, I don’t know where I stand in trying to save my home. I was given a lawyer’s number about the home in foreclosure. I called them and they said no, the foreclosure was stopped in May 2011. So what is BofA achieving with not knowing what they are doing with people’s lives in America?

I received another payment book that my payment was $950 some dollars. That's double than what I had been paying! I got a letter in the mail from BAC that I requested of all transactions which involved the taxes. I looked at it and immediately called the tax department of BAC because they had charged me twice for taxes. The individual again apologized and fixed the problem, and sent me another payment book of $650. Okay, so I thought. I was finished with this ** to only learn that all this was costing me over a thousand dollars in late fees. I called several times to get this straightened out but with no avail. I fell behind one month in December of 2010. I called BAC in March 2011 to see if I could make partial payments towards that month and the response was no. They wanted the month plus the late fees from the mess before.

I called again in April, May and June. It was in June when I learned that BAC had put my house in foreclosure back in April of 2011. I never received a phone call nor a letter from BAC. I only received letters via Fed Ex about the late payment part and that's it. I know BAC owes me money from putting me into foreclosure and not telling me. If I had known this, I would have never kept calling, and kept making payments. In November 2011, I called BAC to see what I needed to do about the foreclosure to only learn that my house was going to be sold by auction on December 6th, 2011. It was at that moment I stopped total communication with them. I never in my life experienced this sort of scamming. It is scamming when BAC puts someone in foreclosure and never tells them. Can anyone help me with this?

I called in February because I hadn’t heard anything. I kept leaving voice mails and not until I left a voice mail for the supervisor did I get a call back. That call said that I had to turn everything in again because it had been too long since I applied. Whose fault was that? Now, I call every week and maybe get through once every couple weeks. Since February I have turned in 3 applications, numerous rounds of bank statements, 2 letters of hardship and my signed tax forms from 2010 twice. And since one week ago, I have not been able to get through again! The worst part is because we claimed bankruptcy after they denied us in February 11, we cannot refinance anywhere else. I believe they know it and are stringing me along. The value of my house has dropped from $400000 to $208000 in 7 years.

In January 2012, I received the mortgage interest statement for the 6 payments I made in 2011 and I filed my taxes. At the time, my permanent modification had not been finalized yet and my loan had not been brought current. This was finally done at the end of February and I received a corrected mortgage interest statement last weekend stating that my interest paid in 2011 was $0. At no point was I informed that my 2011 payments would not be eligible for deduction on my 2011 taxes, though there were a couple opportunities for them to do so. I contacted BOA and all the rep would say is she was sorry, but when they brought the loan current those payments were posted in 2012; so, therefore, those amounts would be on my 2012 mortgage interest statement.

Now, I'm stuck having to amend my return and owe my refunds back to the IRS and State Treasury and possibly have a tax burden in addition. It will all probably be less than $2000, but I don't have that kind of money laying around after being without income for 9 months as a single parent of 2 teens and only working at market rate for a year and a half now. I'm still digging out, but through no fault of my own I'm back in the hole. I can't believe it isn't illegal for BOA not to inform you of their process and its serious tax implications! It was bad enough that BOA stretched this modification process out for over a year after my income could've supported making payments on my mortgage. Now, their process is putting me at risk for being delinquent on my mortgage again or being in debt to tax authorities.

Then they didn't have all the paperwork. We sent more. But still no response. I kept up fighting for 3 years with them. But when they kept an insurance check for $9,000 we sent in to property claims for signature (roof damage), they kept and applied to escrow. Not even applied to our premium! It was then I saw that BoA had no scruples. No intention of helping us! We tried over 3 years to get help from them, calling them and they never, never responded.

Now my husband with MS lost his job. We declared bankruptcy and wrote a new hardship letter. No response. So after hiring an attorney, we have asked BoA for our deed. We were originally Countrywide and sold to BoA. With that sale, there was no deed/title paperwork. And now we know that is why we couldn't get a loan mod. We are suing them and hope every other BoA customer do the same. If they can't prove they have your deed, they have no right to claim your property. They are such a horrendous company and need to be taken down. Sue them! Just ask for your title, especially if you were formerly with Countrywide! They will have to dismiss your mortgage loan. Don't let BoA ruin your life any longer! Take control!

I continued to send payments of $1250.00 to them each month, and the checks were cashed and then returned to me because the amount was not enough to cover my mortgage! Each month, the same thing happened; and after that, all my checks were returned due to the same thing! Why in the world is this company allowed to continue with the pretense of helping their valued customers?

Since November 2011, I have received 6 FedEx packages which included loan modification applications! I've sent four of the same packages back to them, and each time, they have additional questions! I even met with a counselor on March 1, 2012 who helped me with the paperwork. And then I got a call from someone else who had questions about the application! Really, what are they doing behind those desks and computers!

I have faxed information and sent an email for which I received a reply that the counselor that I met with wouldn't be handling the paperwork and that the loan modification is not guaranteed! I haven't made a payment for February or March, because every month that I've sent payments to them, the checks are returned!

I purchased this house 15 years ago as a single parent who was also taking care of an elderly parent. (My mother passed away in December 2008, and her passing sent me into an emotional rollercoaster.) I continued to make my payments and even tried to increase the payments, and I had a check sent back to me because I had paid too much!

I have numerous hardships from 2010 to 2012, but I have tried to keep making the payments. Right now, I don't know what to do! The only thing that I can see my self doing is filing for bankruptcy! My credit is shot to hell now! Why hasn't our government made this company give account to their wrongdoings! Bank of America is more like the bank of thieves!

Why is the public penalized because they have outdated systems? I pay you at the branch and since you send my check to the mortgage department, it's not applied until 7-14 days later (what part of the game is this?). Now I received the check, which I have not cashed. I went into the bank for clarification as to why it was sent and here I am, not satisfied at all with the answer. They should contact the credit bureau and have that removed from my report. They also paid my taxes on time and did not let the new company know, whom also paid them. Funny how they both use CoreLogic to make the payment and no one caught this, but I'm expected to pay Nationstar (new mortgage holder) additional escrow until the county sends them the refund. It's bad enough we can hardly save extra money and now I have to submit it to you for your mistake. There is seriously something wrong with the way consumers are getting shafted when we do what we're supposed to do.

For the past two years, I have continued to provide B of A with proof of home owner’s insurance. I have had my Farmer’s agent fax at least five times letters of experience directly from Farmer’s website. I have contacted the insurance commissioners, Balboa Insurance, the insurance company owned by Bank of America, and furnished declaration pages for the same policy same number that I have and have always maintained. Three weeks ago, I was contacted by Eric **, an account manager for Bank of America. He informed me that my home was in foreclosure and that I was at least four months behind. Wow, I said, but I have not at anytime missed four consecutive payments.

After numerous calls, it is clear that Bank of America continued to bill me for insurance even after they had proof that the property was insured payments where never applied to my mortgage, but instead placed in escrow and applied to forced placed insurance. Although, I have never revived a written notification, my account was credited for almost all of these payments that were erroneously credited to escrow. But any payments that I try to make are being returned and I can't get anyone to help me. The fact that I have an account manager is a disadvantage because he is rarely available and no one will talk to me or transfer me without him on a conference call. And to make matters worse, I have back taxes and because of the foreclosure the bank has paid my taxes and added that to the tab.

However, I am only two months behind only because they won't accept my payment and can really foreclose for back taxes. My seven children and three grandchildren live in this house and I work as a child care provider from home. To lose my home would be to lose my job. Foreclosure is a result of non-payment; I paid and they took my money and misapplied it. Somehow this just can't be legal. Pay mortgage first and anything else is secondary. No one returns calls. It’s a set up. The last person I talked to was Charlitha **. She said she would respond by Friday. No such luck. Eric said he would call. There’s no call.

I can't lose my home. Over the past two weeks, I have been diagnosed with high blood pressure. I can't sleep. I have a constant stomachache. Yesterday, they added Ativan to my medications—chest pain all for what. Please help. Please.

At this point, I was in touch with the program Keep Your Home California, who finally took the loan and paid all back fees and brought my mortgage up to date. B of A falsified to them in a letter, which I have, that I owed for January 2011. No, I had paid that month. Then, right after the program was done, all of a sudden I was $1,900 in arrears. Seriously? I have made the monthly payments since then, but in emails this has not been resolved. I refuse to answer their 5 calls per day because you have to tell them the same thing over and over. They are idiots.

Now, for some other news: my tax bill has been lowered as I have proven to the County Tax Board that my house is not worth what they were basing my taxes on. Did B of A get this memo? Of course not! They now have billed me over $200 more per month. To top it off, I just had someone come to the house to "check" if I was still living here and the bank will charge me $35.00 for this "service," which I will refuse to pay. Even the gal who came here said that B of A is a nightmare. So what to do now? Suggestions? Thanks!

Oh, wait! One more thing: months ago they had sent me documents to sign, under the guise of the company sending them, that they were here to help the homeowner fix the problem. False! This company was a collection company hired by the bank and they present themselves as a company who will help the homeowner with their problem. It is a company designed to get the docs signed and to help speed up the foreclosure process for the bank. Very devious.

c) Add the so-called $9000.00 to the back of the mortgage (which I don't believe is correct)

I was told by BOA that we don't qualify for the HAMP since our mortgage payments are not 31% of our income and at one point, I was given a call saying they can drop the interest from 7.2% to 5%, which was great but the next week, I received a phone call saying the investor (Wells Fargo) did not approve it. I am so frustrated with all the time and effort I am putting into this as far as trying to get some help and feel like if we don't go into foreclosure, we will not get any help at all. I have even contacted the New Hampshire Senate's office and I can not get anything done there as well.

My husband and I are hardworking people and with the hardship of losing $200.00 a week from my place of business in January of 2010, we tried to adjust for a year and found it to be very hard and just asking for assistance in reducing the mortgage as I don't want to sell my home and will not sell it if at all possible. I keep getting the answer that on paper it shows we have enough income to pay our mortgage with sufficient amount left over to pay for the 2nd mortgage and everything else. I don't understand how they can figure it out other than they are not including the taxes and medical insurance that is being deducted from our pay each week. If that wasn't being deducted, then maybe I would say yes we can do it.

Our income in 2009 gross was $110,379 2010, $111,1123 and 2011, $102,000. So in 2011, we made almost $10,000 less than in previous years. The government wants to help keep people in their homes, then why can't we get the help we need?

I was originally denied the loan but because I called, asking isn't it more important what I am making in the future? So somehow, someway, the loan was approved. I was told by a rep that I asked for it! I would have preferred an explanation as to why I couldn't afford it, not have my life ruined, to teach me a lesson. BOA should all go to jail. Have you seen their HQ building? It looks like Hitler's pad.

I cannot get answers from BOA, so contacted HUD who has initiated an investigation. Three months have passed, now I'm in danger of foreclosure, because of ineptitude on BOA, or a conspiracy on BOA's part to stick us in a loan of their choice, when all we wanted was to use the Keep Your Home California program for which we were eligible for and would have kept us current on our mortgage to give me time to find another job.

Now we may be foreclosed on or have to short sale our house. We have been trying to work with BOA over the past few months to no avail, always getting a different story, never getting paperwork or call backs. I am a combat veteran, who lost his job because of a plant closure and I should be the one to get help, but all we are getting is the run-around, in order for BOA to take our house. I don't know where to turn.

We have a 4-year old who doesn't understand what is going on. We are homeless, having to live with my mom and dad until this is all resolved. It's a nightmare. We paid for the rent certificate that cost us $1200 that we really can't afford just to get this closed. Crooks! I bet they keep it too, should this not come out in our favor. I smell a lawsuit that shouldn't have to happen! We are preparing to take legal action. They say they have everything they need, again, for the dozenth time and said we should be good to go. Then we were just told that we need to get a pest inspection done and it was done already! This is just beyond ridiculous. I have names and all the PDFs we have sent back and forth to these **! I am tired of being nice and not getting anywhere. Crooks! Horrible customer service, horrible, horrible company.

When this falls through, we will be taking our banking elsewhere and I will see to it that everyone I know who banks with BOA does the same! Debra **, Robert **, Shannon ** and Steve ** are the ones supposedly "on top of things" and "rushing it". Full of crap! These people should be hanged for what they do to people. I really hope they pull through like they promised over and over. Again and again. Unbelievable and beyond ridiculous! Don't bank with BOA or do any business with them. They are crooks and have no idea what they are doing, messing with people's lives. This is the worst thing I have ever been through in my life!

I am now in foreclosure and my lawyer could not seem to understand. The local court system, the "good old boys," feel that the bottom line is--"You didn't pay your mortgage regardless of the circumstances. BOA has grounds to foreclose." I've gone broke trying to keep my home and paying attorney fees. My credit has been ruined and I can't even find anyone to even loan me a dime--not to mention a refinance on my home just to get away from BOA.

FYI, my mortgage started off great with Countrywide. We had good credit, good rate, great income and then nothing. My husband became ill, got hospitalized, fired by his employer while in the hospital, lost medical insurance, lost life insurance and his life on 11/7/2007. We were responsible homeowners, not dead beats. Luckily, for me, the surviving spouse with no children, is that I have been gainfully employed this entire time as a nurse practitioner with a Masters in Nursing.

In October of 2009, I applied again and qualified for a forbearance program. I was able to pay half my mortgage payment for 6 months but unaware of the fact that the other half was adding up in a past due amount. The program was not completely explained to me. In October of 2009, Bank of America bought my mortgage from First Franklin and my mortgage is currently still with Bank of America with a monthly mortgage of $2,575 a month and a 7.95% interest rate. I was told to apply again for a loan modification.

In March of 2010, I applied again as instructed by Bank of America. In the transition from First Franklin to Bank of America, no one seemed to be on the same page and I could never get answers from any bank employees and when I did, it was always something different than what I was told the time before. I was really concerned as well as very frustrated with the situation.

In May of 2010, I was told that my paperwork had expired while in possession of Bank of America. I am not even sure how this is possible. Now, I am making partial payments, figuring it is better than nothing. Apparently, this is not the case. Bank of America was applying my partial payments into an unapplied funds or suspense account and it took me months to get them to apply it to my past due mortgage. In May, I applied yet again for the modification.

In July of 2010, I was denied again and was told to try applying for the Making Homes Affordable modification. In August of 2010, I applied for the Making Homes Affordable Modification while collecting unemployment and was denied once again. In August of 2010, my unemployment had ended and I was running out of options. In this time, I had gotten married and now my husband move into the house with me and my kids.

In September of 2010, I had my husband write a contribution letter stating that his pay was going to be used for the mortgage payment since his name was not on the mortgage. I applied again for the Making Homes Affordable program. I received a letter from Bank of America congratulating me on my first step in the modification and that I would be notified in 30 days of my status. The 30 days came and went, I heard nothing. I called Bank of America weekly to find out my status. I was told each time I called that my modification was in Phase 1 and I would be notified in 10 days.

In April of 2011, I called Bank of America to find out the status of my modification and inform them that I had started working. I was told to fax over 2 recent pay stubs. I faxed my pay stubs to Bank of America on April 7th. A few weeks went by and I started calling again. Now I am being told my modification was in Phase 2, finally seeing light at the end of the tunnel. Another month of calling and getting the standard answer, “Your modification is in Phase 2.” During the 2 years this modification process is going on, I am receiving letters and phone calls from Bank of America, not to notify me of my status, but suggesting I apply for a modification. I was already in the middle of one!

In July of 2011 on a follow-up call to Bank of America, to my surprise, I was told my modification had been denied once again. I asked the agent the reason for the denial and she continued to tell me it was because of the change in my income. I told her when I called and notified the bank of this change, I was told to fax in 2 pay stubs. I asked if she could explain the reason for faxing my pay stubs if the modification is denied and I have to start over because of this change. She could not give me an answer. I then asked when Bank of America was planning on notifying me that my modification was denied. She said that I had already been notified, not in writing but by a message left for me. When I say message, I mean an automated recording that is automatically cut off when it goes to an answering machine and never once does the message state that it is Bank of America calling regarding my loan! I feel Bank of America should have sent something in writing. Perhaps by certified mail or a phone call by a person, rather than a recorded message.

In November, I went to the Bank of America Assistance Center in Chicago. I filled out every form they could possibly need and then some. For the past 3 months, I have been told I am in Phase 3 and my modification should go any day now. I was notified yesterday that once again my paperwork has expired and is older than 90 days. I have to start over once again. This will be my 10th time filing for the modification and 3 years of getting the run around from the bank!

After the modification, we noticed we were a month behind from the start. After calling BofA, they stated it would take 60 days for them to adjust our account from the ARM to the fixed rate (which took place in October of them fixing the account), but had only given us 10 days to hand over our money and once they put everything through, we were still showing a month behind. At this point we started to refuse to make payments until this was fixed. They told us we owed them the money and that was that. I called them every week from October 2010 until May 2011 (making payments when we could) until I spoke to a supervisor who saw the error.

We were four months behind according to them at this point and once the account was fixed, we were only two months. We talked to them about getting modified again and to pay off slowly the two months we were behind to catch up. We went to make the first catch up payment and it was rejected and we were told we were four months behind yet on our mortgage that we had to pay, or else foreclosure proceedings would persist.

Long story short, we could no longer make payments and fell into default all the while working with a supposed mortgage counselor (3 to be exact) and spent numerous hours and months to apply until we received our last denial letter stating we were denied a modification due to insufficient paperwork. This was after the counselor told us everything looked great! Were were then served our court papers 2 days after Christmas (2011) and are in the process of being foreclosed on. We have hired an attorney, had meeting with modification counselors (who say we may not be eligible for a modification because we already had one in 2010), so at this point my husband and I are letting our attorney handle everything.

All of their so-called workout programs are a fraud (attorney has even confirmed that with us). Why does the government keep bailing these idiots out and killing the Americans with their hard earned dollar? Because they own BofA and can do whatever the heck they want and kill the American dream of homeownership, all to keep their pensions and money intact for themselves.

The document people took up way too much time with our condo association board member, telling them that we must have a street maintenance agreement, because we are responsible for our street. Yes, she sent our by-laws, which stated that we were responsible for the street. The document people continued to press for a street agreement, which we do not have. That’s crazy! I will save this as a draft, and keep sending to the higher ups in Bank of America. No wonder the bank has to pay hundreds of millions in repossession fines, as there are so many inept people there.

For years, we have written letters and spent hours on calls trying to get this fixed. So, they are charging us for the year they lost and a whole new year we already paid out of pocket. They put most of my payment into a shorted escrow. They essentially stole money from us and will not do a ** thing about it! They are still stealing every month to replace an escrow shortage they created.

He finally did and said that the fee is from outside, and that nothing he can do about it. I emailed his manager and she said that if the appraisal went through, then the fee is non-refundable. I just want my $470 refund back since the loan did not go through. This fee was supposed to be included with the mortgage when the loan is approved and also part of the package (with closing cost). Can I get an explanation from this issue?

I have tried short sale, deed in lieu etc. but everything failed. Banks were too greedy and would not accept any of the offers without also having us give them our entire $401K savings (which we did not). I keep calling them and they tell me that my home has not met the criteria for a foreclosure review? Seriously?! An empty home without a single payment for almost 3 years and they don't feel it's necessary to foreclose?

I am getting very suspicious of their reasoning and have on many occasions asked to be put through to the department who makes such decision for a home to meet foreclosure review guidelines, but of course, they don't know any contact numbers or people to talk with! Lies and more lies! If a department exists within a company, there is a way to get in touch with it. Can anyone give me some advice as I am highly suspicious of Bank of America and not quite sure why they want to delay the foreclosure. Thanks!

The day before the loan closing was scheduled, I was called from BOA and was told I needed $5,000.00 to cover taxes and insurance escrows! I was shocked since I was never told that and then begged and borrowed to get the money since the modification was going to help. The attorney then came to my home to do the closing and my husband’s name was missing from the paperwork since he was supposed to be on the deed. After an hour of signing documents, the attorney left. Once I was ready to do my taxes, I took out the loan documents and noticed they added over $10,000 to my principal to close the loan! What kind of modification is that?

I called BOA and told them I was unable to afford the loan and I needed a modification, they told me I do not qualify since I refinanced with them after 2009. I explained to them that I was not told it was a refinance and they charged more to my principal since it was a streamlined refinance. I was not told any of this. I am now so upside down in my mortgage just barely affording the payments. My husband is now laid off and his name never even ended up on the deed. I feel like I was taken advantage of by the bank and ripped off!

She also said it’s not necessarily my fault. Okay. I inquired if there is any mention of a principal payment needing to be received after the first of the month in the original paperwork that I signed for the loan. Answer: no. I asked: Did the person who completed the application process with me have the knowledge and obligation to verbally inform me of this since it was not communicated in any way by the B of A employee who processed my initial loan? Further, should the CS person I called at B of A who sent me the analysis on 4/12/11 be obligated to inform me of the first of the month date? At any step of the way, this could have been corrected if the employees at Bank of America had been trained properly or followed process and procedures (if they have them). This is the fault of the bank and the employees. I do not think the branch CS person nor the person who issued the account summary are knowledgeable of this issue "rule".

Today, I went all through it again. I had made a $1200 principal only payment on 2/29/12, which is after the first of the month coincidentally and they still screwed it up. I asked for another account analysis and indicated that they are liable for the interest out/principal that they incorrectly applied to my account. They actually backed out my payment and deducted it from the principal payment. It was before the first but their new excuse is they thought since it was close to the first of the month, they would just process it the way they wanted. Okay, once again, you can't have it any way that you care to screw over a customer. A long standing customer, I might add. The payment research department said they would correct just this last month’s error and the rest is screw me. They misappropriated my payments since the inception of this loan. B of A needs to do what is right according to legitimate banking processes. The whim of apathetic, improperly trained employees should not be allowed to financially impact a customer and then say screw you.

I have a summary statement of my accumulative payment history from 5/28/08 through 3/14/12 (I can provide only 3-4 pages) and recommend that B of A corrects the errors and credits my principal balance with the money they inappropriately used for interest. I requested an interest rate sheet for accuracy for each year. I signed a contract with B of A that clearly states my principal only payment will come out of my checking account. No exceptions. Please help me. I am disabled, on a fixed income and am dedicated to my financial responsibilities. This is unfair. This is a continuing banking error. Lastly, every "principal only" payment I made I took a yellow highlighter to the line that said "Principal Only.” Not only are they arbitrarily ignorant, they also disregard a bright neon yellow marker. I can only take so much anxiety. Please help right this on-going wrong. Thank you in advance for your consideration. Best regards.

After 6 months, I still have not been approved for the program. Every 3-4 weeks, I am contacted by a representative requesting the same paperwork that was initially submitted. Over and over again, the same information is requested. I have asked to speak with the representative’s boss or someone in a higher position and I'm told "there is no one in a higher position. I am the only person who can help you." Hello? So again, for the 15th time, I will send the entire application and contents in again so they will have the "most up to date information".

I know someone who tried to qualify for the modification program and has since lost their home to foreclosure because they could not make the payments. Had Bank of America processed the paperwork the first time received, maybe they would still have their home for their 3 children to grow up in.