Bank of America Mortgage Reviews

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

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

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

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

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

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

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

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

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

I continued to make regular monthly payments. I received a phone call from them that said I qualified for the HAMP and that all I had to do was to let them withdraw mortgage payments from my checking account for 3 months and then the arrearage would be added to to the back end of my account. The payments were deducted. I then received legal documents from an attorney that foreclosure had started. I went to see an attorney, who told me he would contact BOA and that I should file bankruptcy. I didn't really want to do this but each time I received correspondence about the foreclosure, my attorney told me to ignore it. Some time in 2012 I received my mortgage payment back with a letter from them saying that they could not accept any further payments since the account was in foreclosure. I didn't want to do that so since December 2010, I have been trying to reach them.

I contacted a consumer counseling organization and we spoke to BOA, who assured us they would be assigning a case manager and would contact me within 72 hours. I received a letter from her stating the amount needed to bring my account current. No phone calls. I called them again and was told the same thing, although I no longer had a case manager. I received another letter telling me the amount needed to bring the account current. No phone calls. I received a letter saying that my case manager was Altheia, but the next day received a letter saying I didn't have a case manager due to the status of my loan. I called BOA again and begged for assistance. Again I was told that they submitted my request and that I would receive a call within 72 hours. It is now more than 100 hours and still no phone call. They did tell me when I called that my home is to be sold on April 1st, although I had heard nothing about this before.

I contacted a mortgage help company and completed all the documents for a modification, but still can't find a person to talk to so that we can stop the sheriff's sale. I am sure that I am not unique to BOA, but my home has been modified to the tune of thousands of dollars for my son who is multiple handicapped. Since all of this began, I had to retire from my job and now live on social security and cannot pay the arrearage. I cannot find an apartment on short notice that will accommodate his wheelchair and various medical equipment. Please if anyone is listening. What was a $995 missed mortgage payment is now $20,000 in arrears. Please call me to let me know if there is any way to stop this foreclosure. Thank you!

She was told by a representative lightheartedly to disregard the letter and enjoy her weekend. I remember hearing his cheesy laugh. However, days later with a condescending and obnoxious air, he explained he said this so that she would not be worried. So you lied to put her at ease? What kind of company is this? I have accounts with BofA that I have had for years because everyone in my family uses this bank. I am outraged at these crooked practices. I can only pray that someone out there can help my mom and people in her situation. The things that I have read make me fearful of what could possibly come.

We've sent complaints asking for help from the government, from other attorneys, and many others - nothing. Everybody plays deaf. I know today will be much worse in the nice country where big fish eat the small, and are covered and protected to do anything they want.

Best advice: Go somewhere else where you will get support, feel like an individual and don't get your life ruined.

Nina said we could have a modified loan in three months then a permanent one. I then asked her the percentage rate. I called her up about the percentage and how long our loan it will be and what does it mean about the money after the three-month trial period. Nina said that they can charge any percentage rate, any amount of years they want and charge anything they want after the 3 months trial period so we need to sign those papers. No stinking way. Nina and everyone else at Bank of America are crooks and should go to jail! Bank of America should be shut down! Bank of America just wants to take our house. Once we get our credit score up, we're out of Bank of America. We'll be telling everyone we know not to go to Bank of America.

Sometime had gone by and I gave Ms. ** a call again and wasn't able to reach her. My call was being routed to another department. After going through that for at least 30 minutes, I asked to speak to a supervisor and told her what was going on. She stated to me that Stacey ** was no longer on my case. And I asked why and who's taking over, but she did not know the answers. Each time I called Bank of America to talk to someone about my modification, no one had a clue as to what was going on. They were trying to collect a payment. So, I continued working with Clarene ** who can deal with them. I couldn't get an answer myself. She has contacted them and different people have emailed her back asking if we would like to continue working with Stacey **. We said yes and never got a phone call from anyone stating that they were taking over our case or any update on the modification process. Stacey ** is not going to work with us. We heard absolutely nothing.

Ms. ** has all the documentation as to us still working with them, sending emails asking for answers and no one is responding. She sent an email on December 31 asking them to check on the modification and they sent her an email back stating that my house has been sold on September 4th and we are about to be evicted. We got that response but couldn't get a response about anything else as far as who was working on my modification. My house was sold with no knowledge and I was sent modification papers again from Bank of America on October 30, 2012 stating, "To continue evaluating your loan for assistance, we must receive the requested items by November 29th of 2012." I sent the additional information they ask for on November 8, 2012 at 15:40. I kept my fax transmission sheet.

Ms. ** received this email from John ** on 1/2/13 Bank of America: "I am in the Advocacy - Complaint and Inquiry Department and I have been assigned to this escalation. Please be advised the request for modification has been declined because the property previously went to foreclosure sale on 09/04/2012. An attempt for a rescission was placed; however, it was declined. Since then after speaking with the foreclosure attorney this morning, they have confirmed the file has moved into an eviction stage. Unfortunately, we will be unable to review this file further for modification options. I greatly apologize for the inconvenience."

Whoever this person is we never heard anything from him or Bank of America staff as to it being denied and don't know why. Bank of America is wrongful in the way they handled my case nor was I treated fairly. They are very unprofessional. They never took the time to work with me and my family. Now, my family and I are being forced to move by February 19th with no place to go. They basically came back that the reason they did not accept our modification was because the form was incomplete. They never sent letters, no phone calls at all letting us know that; that was the issue. That was a lie. They received everything they asked for and more. Bank of America has a reputation for misleading people into thinking that they are going to get qualified for a modification, but the truth is they do not know what they are doing nor do they know how to conduct business. So basically, they lie to you and just let you think it's your fault.

I originally bought my home in 2005. Two years later, in 2007, I took out a separate loan with a separate interest rate for $20k. According to them, I somehow took out the $20k loan in 2007, which I did. However, they show my loan or the date I originally bought the home was 2009. So I asked, "How is it that I can take a second loan out on a home I didn’t even own yet?" The loan officer agreed that it made no sense and filed a claim on my behalf. Fast forward to a week later, and I did not receive any call back. I called them and the answer I get is "everything looks fine from our end".

I have started to re-finance my home with another bank. I will not let these crooks take one more dollar from me. They have lost my business, and I will be refinancing all my rental properties they hold the note on. I know it’s a drop in the bucket to them, but BoA, you just lost a couple hundred thousand in interest off my loans for not having simple common sense!

I had been making payments online, so I requested a statement from Bank of America who informed me they could not give due to bankruptcy? Due to medical/ family issues, I had trouble making my payments on time and tried to contact them to make payment arrangements; they then told me I would have to be 1 month ahead in payments to change to bi-weekly payments. This went on for almost 1 year of being behind in payments due and attempts to fix this issue; they even sent partial payment back to me. I finally got so upset. I contacted the bankruptcy lawyer. He told me that due to Bank of America not reaffirming house, I could treat it as rent and leave it when I want or when I found somewhere else to live.

In Oct 2011, I went to a local Bank of America and told them I was surrendering the house, as it was included in bankruptcy. They put me on the phone with the bankruptcy division who told me I must short sell the house. I told him as my lawyer instructed, the house was under bankruptcy and is no longer mine or in my possession. I then attempted to hand the keys to someone who said, “You can’t leave these here.” I said I was and I guess she would have to put them in the lost and found. In December last year, I received notice of foreclosure on the home. Today, Bank of America has turned over the case to a lawyer who has sent me court documents about foreclosure and my responsibility to pay remainder of the loan when sold (of course no mention of house being under bankruptcy by Bank of America). I spoke to my bankruptcy lawyer who told me that if they attempt to make me pay the difference, he will pursue it in court for me.

The home is sitting empty; Bank of America has not done anything with it or even posted signs on it. If I was trying to get something for free, I could have stayed there since Oct 2011 and not paid anything but utilities. Bank of America doesn't try to help people. I wanted to stay in my home, but they would not assist me with rearranging payments so I could afford to. Since they already put it against me and I was already upside down due to market, my scores were too low to refinance with anyone else; due to the value of the house being less than the loan, I didn't have any other options. Now, it is affecting my ability to purchase another house as the old one is still in my name. They have continued to drag the foreclosure process out. My credit is slowly improving, no thanks to Bank of America. Bank of America was reporting this to one credit agency as included but to others as delinquent every month I was behind. Due to foreclosure, I was told by a loan company (for new house) I would need to wait 3 years after the house is out of my name to apply again.

So trying to figure out what we were going to do, we figured we would give it a few months and pay what we could and just see what we could get paid on our own. A week later, we received a letter stating that we qualified for a principal reduction so we responded with all the information; and about 30 days later, we were denied. So we appealed the decision, which was in September 2012. We continually get the runaround from them. We have spoken to several managers and their managers and their managers with nothing and no answers. My husband is still working, and at this point, we just want to start paying again. We have 3 children (17, 13 and 8) for whom we are fighting for this house. We bought the house in August 2006. Any help or advice/information that you could provide to help us with getting this resolved would be very helpful. We are trying so hard to keep our house.

After the divorce was finalized, we started the process again this time working with Daniel ** and his supervisor Denise ** again hitting road blocks because when they needed proof of my wife’s disability and she got it from the SSA, they claimed they couldn’t accept it due to the fact it did not say monthly on the letter although it showed the entitlement date and amount. Also things like we had to show our food stamp approval and sent the letter. But because every individual's name in the family wasn’t on the letter, it was rejected. Or things like because my husband had to job hop after the workers comp. ran out, they needed proof of his employment and because it changed, they needed termination letters we could not obtain. It was so bad my wife had a super high risk pregnancy due to her being in a car wreck years back and needed complete pelvic reconstructive surgery that she had no choice but to go back to work to support us when I couldn’t find work that they argued the legitimacy of her disability even after providing proof.

During this process, we were told this would help us lower our monthly payments. We were also told if we fell behind on our payments that it would not hurt our credit and that it would help us get approved. We were made to believe that everything would be fine. We even got a letter saying they set a sale date for our home during the process. But it could be called off once we were approved and not to worry. After this, BoA still denied our application. We were given the option of a Lender offer agreement from Fannie Mae, which we read and decided to take. This made our payments go from $1264 to $749.50; we then made our three months of trial payments and were sent the official paperwork. We read over all aspects and signed. However, when we received the paperwork from BoA after we signed, it stated that we extended our mortgage for another 20 years, which was never written or told to us. So now after accepting, we found out and are locked into this home until 2053. This house will be over 60 years old at that point and it’s 2 bedrooms with my wife and me and my daughter and new son.

Obviously, this isn’t going to suit our family for this amount of time. So we just felt very decided there, not to mention how badly this affected our credit, which they claimed wouldn’t happen and our loan is $11,000+ in default. Not to mention our first re-modification payment that was after the trial period is due 3/1/13 and they still haven’t sent us a copy of the final agreement proving everything is finalized. I have called about this but was told by our new acct. mgr. Miguel ** and his supervisor Shannon ** that if we just make our payments, they'll send it eventually. However according to multiple lawsuits in NY, CO, WA, and CA they have done this; they just foreclosed, never following through and blaming it on the clients.

Our second issue with BoA: When we bought our home in 2004, we went with a mortgage through Countrywide and I went with their recommendation for a hazard insurance carrier. When Countrywide was taken over by BoA, it seemed that after extensive talks with Mark ** at the State Bureau of Insurance, Claim # ** that BoA put in place a forced placed Hazard Insurance with a new carrier QBE that we were never made aware of. We were never told they would take 130+ dollars a month out of our payment to pay directly to QBE. Nor were we ever given a copy of our policy ever!

Now we have an issue with a burst pipe coming from our upstairs bathtub leaking/ draining into our downstairs bathroom. So when we called Bank of America over 8 months ago to begin this ridiculous goose chase, I was told I have had my hazard insurance policy since I bought my home and that on the phone, Lakesha ** was looking at our physical policy. However, that policy with QBE was only valid if the work was done through my HOA, Taft Management. What she didn’t know was we already contacted our HOA and had our maintenance man come look at it. He reported back to Taft that it was a townhome-style condo and this would be a hazard insurance issue. Taft then contacted QBE telling them it was an issue for them to come handle under our policy. Yet, when I called QBE; first, they didn’t have a policy for us; second call, they had the policy and would look into it, and never have returned a call since. This was 6 months ago or more.

So when Bank of America took over my loan, I was never notified who my new homeowner insurance company was. I have never received a new policy, formal announcement, or explanation of benefits/coverage on 2/11/13. I then spoke with Ms. **’s supervisor, Paul **, who told us we didn’t have insurance. When we requested a copy of our policy and a trace be put on the escrow payment for hazard insurance and the 130+ monthly payments added to our mortgage payment as well as a copy of our file, he yelled at us to get a subpoena, then recanted saying, “You have hazard insurance, but all I can do is get you over to the uninsured department.” I was irate. I then called the office of the President and CEO for BoA at 877-877-2670 and spoke to the manager there, Bridget **. She claimed to launch an investigation in that office for us.

The Bureau of insurance has reached out to QBE on our behalf since they will not return our Calls. As of today 2/20/13, I was made aware by Mr. ** at the Bureau of insurance that we were given a forced placed policy that is between 5-10x the cost of having our own insurance; that because BoA put this on our home with no call or notification to us, we needed to file a claim with the Office for the Commission of the Comptroller, which was done today 2/20/13. The home is at a point where I have no idea what to do, but I am worried for my family. We have a catastrophic loss/hazard in our home that includes no area to take baths, only showers, a leaking ceiling, black mold and fungus, deteriorating walls, and the entire first floor is flooded due to the issue within our internal plumbing. It is so bad on the first floor that if you step on our Pergo floors, water streams shot up from them and they make squishy sounds when you walk over them. All our lower level floorboards are warped due to the leaks from upstairs with mold trapped underneath making everyone sick all the time.

My 1-yr. old is always having respiratory infections, my 6-yr. old is on a nebulizer, I am waking up with nose bleeds and my wife is useless due to the amount of migraines it’s causing her and how sick she’s getting due to her low immune system. The drainage from the tub doesn’t work, all of our plumbing has issues, and there is no way to get the upstairs toilet to work. Our kids can’t take baths without flooding our lower floor; we have to drive across town to my mother’s to bathe them - it’s a nightmare really. The house retains a musty smell with moldy air all the time and it’s just too cold to open the windows. As for the rest of the home’s plumbing, it is very sporadic when it does work, however, and none of our upper floor plumbing works properly. We have lost over 2000.00 dollars of material items alone due to this as well. Our lower level floor is retaining water and has caused my wife and I as well as our children to slip and fall resulting in injuries. This truly is a horrid hazard as our family keeps getting sick due to these conditions. Even when my paraplegic mother-in-law was in the home, when she put the break on her wheelchair, she kept moving due to the water under the floor and the weak foundation of the flooring.

Yet today 2/21/13, I spoke to the person handling the claim in the Office of the President and CEO at BoA, who can be reached at 855-834-5400 ext. **, telling us yes we have Hazard insurance but it’s called Hazard insurance on our statement when it’s taken in the amount of $999.97 directly from our escrow but it’s only fire insurance. So now we have this issue in the home with the water and mold. Then we have the 130+ dollars they are paying to QBE monthly from our mortgage payments for our Hazard Insurance. But then they are also taking 999.97 cents, which shows for hazard insurance on our online banking for the date it was taken that BoA can’t account for at all. We know we have coverage since $999.97 is taken out of our escrow for our mortgage yearly by Bank of America. However, we have done this runaround so long without getting answers to who our policy holder is and how to resolve this issue. We have placed over 100 calls and put it in writing to BoA as well. We cannot afford to fix it out-of-pocket and we are worried about our children and our health, our home and the integrity of BoA and QBE and think money is being taken from us that cannot be accounted for. We are being scammed and need to get this resolved.

The lady I spoke to at the phone number in this paragraph in the Office of The President and CEO even said this is very fishy, and I don’t want it to get to the point of something fatal for the issue to be resolved. The reason I say this is my mother’s roommate’s sister lived in our same townhouse style condominium complex and her nephew died due to an unresolved leak where the mold lowered his immune system and he got a respiratory infection and due to the damage done to his system from the mold, the baby passed away. I don’t want that to happen again. I feel someone needs to be accountable, that 1359.97 dollars a year for fire insurance only that doesn’t sound right. However, they can’t account for some of the money, and we can’t figure out how to fix this issue and I feel someone needs to step up and take care of what is their responsibility. Mine is to pay yearly and I do, but to have this happen when I need help is infuriating. I want my home safe for my family again.

Also, if this is happening to us and that other family in our neighborhood, imagine how many others locally and around the U.S. are having similar issues. I have kept all paperwork, records of all calls, anything mailed to us from BoA, QBE, OCC and the Bureau of Insurance. I have contact names, phone numbers and copies of everything I have submitted too.

The moral of the story is, I feel everyone's pain in dealing with BofA. I wish we could all sue them. I sent mounds of paper work to them for every hardship program they offered and was denied on them all, because of this or that and my mounds of paper work were consistently lost. Where all my personal information was, I haven't got a clue. When you send copies of tax returns, you should be able to get them back. I lost my job. If you ever lose your job and don't pay your mortgage because you have to buy food, remember this; the banks don't care and neither does our govt.

In the meantime, I was speaking to a different counselor every 2 months. The turnover rate at BofA is crazy. I was told by these great counselors not to send in any payments until I get the modification. What? Okay, so I did not. Now, I am over $40K behind in my payments. It has been 19 months of playing around with them. I called the president of BofA, spoke directly and asked what the hell was going on. I was told I had a counselor and that she would call me within the next business day. That was a month ago. Nothing. Yesterday, I get a modification package in the mail. They will modify my mortgage. They will permanently reduce my principal by over 16K but they also added a subordinate lien for over $75K. Now, they are trying to snow me into thinking they are reducing my mortgage by $16K but they are charging me $75K to do it. What? They string you along, give you wrong information and you will never get two answers that are the same. They say they want to help you stay in your home, **. If you know of someone buying a house, tell them to run far and fast away from BofA for a mortgage. My credit is shot. It is affecting my health, my marriage and my family. Do you really think I wanted cancer? This was a situation out of my control. Thanks, BofA. Thanks a lot.

I flipped out and overnighted more paperwork. I called back 2 days later to see if they received the FedEx which I tracked and was signed for. I had to speak to another CSR to find out I would have to wait again. I must have called and called until finally last week when I spoke to another CSR, she asked per the notes if we want to modify or pay up to date. I once again flipped out and now have a phone appointment to speak to my case manager. What the heck? I also found out they offer a bi-weekly payment that was never offered to us which would make paying my mortgage more feasible. Plus my house is nowhere near what it was appraised for a couple years ago. This has to be dealt with because how can a huge bank be so dysfunctional!

If one of us will win, please post the court decision online so everybody interested will do the same. This bank actually has no shame. This is so absurd! They cannot treat people like this and get away with it. We all want to pay a mortgage but BOA must be fair. They get so much help from the government. Where is help for us? I do encourage people to fight for themselves. A study by government and academic researchers finds that approximately 800,000 homeowners missed out on mortgage modifications because of BOA poor performance. Where is the justice? To all judges who sign a foreclosure papers from BOA and other banks, please ask for a letter from a person who will lose a house. We will send you a real story. Even in the sixth year of the foreclosure crisis, the country remains saddled with an extraordinarily high number of loans in foreclosure of about 2 million.

I called and spoke with 2 helpers, and they said they did receive the paperwork on time. They would fix it and get it back to the underwriter to proceed with the loan. Well, every week I spoke with my Account Manager and he said it has never taken this long to correct. “Just hang in there!” Now, two months later, he won't answer and I received a letter they transferred my loan. I don't know what is going to happen. I have been fixing the house roof, septic tank, etc. Now, I need that money. They truly lied about not receiving the paperwork. 3 employees including my Account Manager said I sent it on time and they have the paperwork. They gave me and my two daughters hope we would have a home. I'm a single father with no idea what to do.

Funny thing is the first two signatures of the rep stated from the office of the CEO. The third and final FedEx of the day which had the quote above simply had Home Loan Team. I can't imagine that this ignorant rep even knew how to spell CEO. Unbelievable. We're current because we need to retain good credit! And shouldn't that be a plus in someone's tiny pea brain to show that there is an effort here and therefore should be considered for a loan mod, a lowering of interest rate, offer an alternative? We've never been late on a payment, yet BOA just goes on to the next victim, hoping that the next one will just turn over the keys. BOA donated $2.2M to several political recipients and spent an additional $53.2M on lobbying.

So if you want to ask yourself as a consumer where is the money that is supposed to be there to help those of us who requested assistance, there you go. BOA, you are by far the worst of the worst on consumer support, customer care and management. If I managed my household like BOA manages our mortgages, we would all be on the streets. Your business practices as a company are atrocious. Thanks for making my last 1 1/2 years spent faxing/FedEx, etc. documents to you. A total waste of time. Good luck to those who are still struggling. I hope you have much better luck than us. Shame on you, BOA.

Next came the closing. They scheduled the closing three times, and all three times I sat there waiting for someone to show up. However, no one did. That's right. I wasted three days since they couldn't remember or properly communicate the closing to the title company. Best of all... they changed the terms of the loan after I signed the contract and closed! That's right. After everything was supposedly done, they changed the terms. Instead of getting $250 back after the closing, I had to write them a check for $750!

I sent a letter to two "managers" at BOA after my terrible experience. That was three weeks ago. They never even responded. I will never do business with Bank of America again.

The one factor that BoA throws out there with each CRM I have had to deal with is that I have not incurred a financial hardship, but nothing is further from the truth. I have lost my job, never gained reemployment, no longer receive unemployment checks, spent my meager life savings trying to stay afloat and finally having to file Chapter 7 Bankruptcy. If the loss of everything is not a financial hardship and having to rely on donations from Food Pantry, then I need to have clarified what does constitute a hardship.

While I still "grasp at straws" in hopes of achieving the modification, I still let doubt into my thoughts. One of my Federal State Senators is acting on a letter sent to her office, so I do encourage people to fight for themselves.

Well, in January of 2013, I got my 1098 from BOA. It showed I paid zero dollars in interest in 2012. I also noticed that my December 2012 and January 2013 payments were posted as misc. I would receive debt collection phone calls and letters. Once, I had to go to the post office to get certified mail from BOA. Again, it took talking to many people. I've logged each time I called since 1/24/13. One lady finally got the codes fixed on my account to not show I was in modification so my payments could get reversed. Most people stated the problem was because I was in modification and it took me repeating myself over and over to state I was no longer in the process. When asked about the 1098, I was again told it was because my payments were put into another account and not put towards my principal/interest, etc. because I was in modification. The lady who took care of the codes/payments told me she was looking into the 1098 issue. I was told she'd call me back the next day, but never did. I called myself and was told the same thing.

Finally, I got a hold of someone else. She was pretty rude. She said, "We were just made aware of this problem within the past two days with these types of modifications and 1098s being generated with zero interest paid in 2012." I said, "Seriously. I've been calling for a month now." She told me that nothing would be done until March 15th. I told her that was not acceptable. I stated how I was very unhappy with BOA and that everything that's happening is their fault, not mine. I've done everything I was supposed to. I don't know if this will get me anywhere but this stress on my life is making things very hard!

I would call her daily and she would never call me back. I then reached out to customer service to set up a phone appointment. It was so weird that I never received a call from the phone appointment. After finally getting in contact with her, she advised me that she was off on that day and did not know why they scheduled it. Needless to say, the next day, a woman showed up to my house to ask me for documents. I had no idea who she was so why would I give this person my ssn, pay stubs, and tax info. That was the final straw for me. I sent an email to **. I sent this email at 9:34 EST. I received a call at 11:21am EST from the Office and CEO of Bank of America.

This was included in the email: 1) Your name; 2) Your complaint concerning your experience with Bank of America; 3) Please send your email I support John Wright vs. BofA Lawsuit!; 4) Please send a copy of your email to **; 5) Please send your email to BofA CEO Brian Moynihan: Brian Moynihan Email; 6) Bank of America stated that they are trying to regain America’s trust one customer at a time. So above your name you should sign it "I Am One Customer At A Time"; 7) Also, make a complaint at the OCC; and 8) Take Action Now: Click here.

The account manager advised me that he is now in charge of my file and he would contact me every 2 days...and he did! My loan modification was approved in Oct. 2012. I received my loan modification information in February. My new mortgage payment is $300 less. They also advised me that they would take care of my credit after 3 months of payments. I went from a 715 to a 499...so that was terrible. If they do not have my credit fixed by May, I will dispute this with the bureaus. It took them 4 months to send me a payment booklet. That was bizarre! I hope this helps everyone and good luck!

.

This company is ripping people off; they are making millions and millions on their customer's misfortunes. Twenty dollars may not sound like a lot, but when it is the last $20 you have until you get paid again, it is a lot to me! This company should be ashamed of themselves and the way they are doing business. Then, when I said, "Forget it, I will just mail in the $20", she commenced to tell me that the payment would probably be sent back because the system wouldn't know how to apply it. I would need to make a payment in the amount of $115.30; the cost of two late payments instead. I told her if I had an extra $15.00 lying around, I could just make the payment over the phone and pay the additional $20 they were asking for in the first place! Are you kidding me? Now, they are threatening that they will send payments back because they don't know how to apply it?

This is crazy! Why is this company allowed to continue to treat consumers this way? Why are they allowed to threaten payments being returned because of their computer issues? Something has to be done!

Finally, I discovered that my case had been transferred to another office without my knowledge and my documents had been lost. They subsequently found some of the documents after I made a big deal about it and submitted them. Several weeks later, I got a call from my new point of contact telling me that the new payment would be $550 less than my current payment. He told me to wait 48 hours, and I will be contacted by a notary. When that did not happen, I tried contacting him back but could never get an opportunity to speak with him. The secretary told me that what I had been told was incorrect, and that in fact, it would be several weeks before I would hear from the notary.

I finally did hear from the notary, and the new loan terms are such that the number he was quoting for me as the new payment is only the principal and interest. He was comparing that to my current total payment and that is how we came up with the $550 of savings. In fact, when you compare apples to apples, the modified loan payment is in excess of $200 more than my current payment. I am amazed that he did not know which numbers to compare when he was putting it to me and actually Cherdon my enthusiasm at the savings that he was quoting me!

Time and time again, the ineptitude of the BoA astounds me. After a conversation with the manager that lead nowhere (he condescended to me like one to a hysterical woman), I have decided to bank elsewhere and to pursue a different loan. I have a good and stable job. I always pay my mortgage on time. I am lucky to be in the upper tax bracket. This company is a pure idiot if they would risk losing a sure thing client as me. It is not a wonder that we ended up in the financial crisis that we did.

Those of us out there who started with Countrywide, which was then bought by BoA, will find in most cases that our loan does not qualify for modification. You may ask why, but you must remember that our politicians are bought and paid for by the financial institution and made sure that the interest of the government was protected; especially the income derived from those loans. I have taken to sending my information to consumer organizations, media outlets, and still include government agencies and politicians. I continue to fight and advise all those under the thumb of BoA to also continue to fight for your rights.

This business, BoA, is a corrupt organization that works best with deceit, stalling, and borderline fraud. They work just inside the law because the lawmakers protect them. All I can state from my case is that most calls do go unanswered, but escalation numbers can be obtained by searching the internet for BoA. Use the tools at hand and stay in the course to achieve justice. In time I will lose my home, but some may succeed where I have failed. Good luck!

So now, I am 3 months past due and do not know which way to turn. BofA cannot or will not tell me what my payment or interest rate will be after the initial 3-month trial period. Nobody returns your phone calls. When your account manager does not call you back within 24 hours and you try to call his supervisor, you literally cannot. The only options given are to press 1 for your account manager, or 2 to make a payment. I tried pressing 2. I did get a live human being, but unfortunately, she knew nothing, could not transfer me to my requested extension (for the account manager's supervisor), but informed me my account manager had a different supervisor other than the one I was instructed to call per my account manager's voice mail.

BofA employees are in desperate need of some customer service training! So, at this point, I have no idea what to do. My signed paperwork for the proposed modification is due back today. When I told my account manager that there were things about the proposal that I did not understand and asked what my other options were (because I do not want to sign these papers and send them back in if I don't understand them), he basically said that my other options would be short sale or BofA would proceed with foreclosure. They cannot or will not explain to me why with a 60% reduction in household income, my proposed payment has only decreased by $30. At the end of a heated 45-minute phone conversation with my account manager last night, he proceeded to tell me that I should be happy that my payment is not going up! BofA sucks! I thought these government programs were supposed to help?

They sent me the loan modification paperwork and a return FedEx envelope to return with a copy of our Federal tax returns, our paystubs, and copies of our utility bills; all in addition to a very lengthy paperwork to complete and sign. I did all of this within one day and returned to them immediately. Three months went by and I heard nothing from them. They had indicated from the onset that they are inundated with this type of paperwork so it might take some time to complete my application. I called them back after a few months after hearing nothing from them, and they stated too much time had passed, and I would need to resubmit all the paperwork because everything was outdated. It was March 2011 by this time. And so, they resent me the loan modification paperwork, and I faxed it back to them (with all of the above updated information). Again, months went by and I heard nothing.

I tried to contact my case manager, only to find out that my case manager was a new person. I went through all the information with this new person, repeating myself and our situation for the millionth time. At this point, I was very frustrated. My case manager stated that it looked like it was still in the process of being looked at by their Audit Department. A couple weeks later, I received something in the mail indicating I had a new case manager assigned to my case. Ok, really? Seriously? It took some time for me to get a hold of this new case manager. Finally, after what seemed an eternity, this person called me back to tell me the second set of paperwork I submitted had to be resubmitted because it was too outdated. Needless to say, I was very angry at this point.

After more months of hearing nothing and having no resolution or accountability by Bank of America, I reluctantly resubmitted the paperwork for a third time in March 2012. I was told it would be expedited as quickly as possible. My case manager changed hands two more times. In September 2012, our email and bank account was hacked into so I had to go through the nightmare of changing all of my direct debit payments for all of my bills to the new account. Bank of America messed this up too. At this point, I realized they did not take the payment out of the correct account, and I am two months behind on my mortgage because of it.

I made a double payment in December (right before Christmas needless to say), and they sent me a fourth set of loan modification documents to submit for their review. I ignored it because it was the holidays, and I didn't want to get worked up and angry and give them the satisfaction of knowing I am ready to freak out. My payment for January was not taken out by direct debit, because they said I am one payment behind, and I cannot set up auto pay until my account becomes current. Again, seriously?

So, where this fiasco stands is when they sent me a Notice of Intent to Foreclose by certified mail because I was supposedly two payments behind (which I am only one). I called to discuss this with my most recent case manager who was not available at that time. And so, I spoke with four different departments and was transferred four times only to find out that I could only get the answers to the questions I had from my case manager. I left a message for him that day. His message specifically states, "I will call you back as soon as possible, but no longer than one business day. If you do not hear back from me within one business day, you can contact my supervisor." I didn't hear back from him within one business day. I called and left him another message and then left a message for his supervisor (who has the same exact standard voice mail message); I have not heard from her. I called her supervisor and left him a message (and he has the same standard message) and have heard nothing.

I called Bank of America's standard customer service number for the nth time this week, only for the account manager to tell me. "You can leave as many messages as you want for your case manager, his supervisor, and so forth, and no one is going to call you back. They are very busy with a lot of cases and the odds of them calling you back are rare unless you have a phone appointment scheduled." Needless to say, I made a phone appointment with my case manager for tomorrow morning. We will see if: (1) he calls; and (2) he is able to assist me immediately with the supposed Intent to Foreclose.

Is anyone contemplating whether or not to give Bank of America their business? Let me make it easy for you. Do not, under any circumstances, do it. They will not return even basic phone call questions, they don't accept responsibility for their lack of accountability, and they will transfer you to the incorrect departments multiple times. Your frustration level will be through the roof in a very short period of time, and I am usually a very understanding and patient person.

Oh, and the fact of the matter is, they still cannot tell me where the three sets of documents I sent in are (which had both mine and my spouse's SS#s on them). So where are they, and whose desk are they just sitting on? If I am expected to be held accountable for my actions, or lack thereof, and expected to make right on a situation (by paying my mortgage on time), then why are they not being held accountable for their severe lack of customer service and, in my estimation, their fraudulent and false advertising of helping and making home affordable. Total B.S.

After finally speaking to my case manager (the only time), I sent in all the papers completed again (not just the requested pages) and again faxed them to the fax # she provided. I heard nothing for a couple of weeks. Then I got a soaking wet FedEx envelope telling my case was declined because I didn't provide information a second time by the due date. I had no clue what they were talking about as I had sent in everything. This letter didn't tell me what I didn't send them, but it said I could do a short sale and give BOA the fair market value price and then pay the balance, or I could sign the deed over to them and they would sell my home and get fair market value and I could still pay the balance to them. Do you really think I can pay for something I would no longer own? I don't want to lose my home and I don't want to be homeless.

I called my case manager and again, I couldn't get her but the number that was on the letter was to Appeals. I called them and told him what I was told in the letter. He said someone would contact me. When I did get a hold of my case manager (I had made an appointment through the concierge), she told me they couldn't read part of my hardship statement. They never told me this and didn't ask me to rewrite it. I was blindsided by the decline and closing my case. I took my information to a branch and we faxed the papers and spoke to people about this. I was hoping to hear from the appeals people to reopen my case. Instead, I received a cancellation notice this evening again telling me I didn't comply again and it was dated yesterday. I have never talked to an appeal representative until he called tonight and said I didn't send updated check stubs. This is absolutely incorrect, because no one at anytime asked me for any more papers. When I was at the branch early in the morning, we did send all updated information (including check stubs) to the fax # that had been provided before. This was done to help further the case which should not have been closed. At no time was any of this information requested before.

This was done to update my information. The appeals man that called me tonight said he never got anything and didn't recognize the fax # we used. He also said my appeal was absolutely denied (how do you deny something when no conversation or communication ever took place?) and I would have to start all over and reapply. I read all the emails from people who complained about BOA and I prayed it wouldn't happen to me. I think the people who work there make up the rules as they go along and have no intentions of helping us save our homes and make it affordable to live in. I am so disappointed with BOA and now they call me and ask me to open up a checking account with them since I am such a valued customer. They will help me save my home I am reassured. Honestly, I feel you don't care at all.

I filed the paperwork for the National Mortgage Settlement as part of the settlement that refers to principal reduction for people in my situation. The Bank of America account manager told me I don’t qualify because I am a Fannie Mae loan. I called Fannie Mae- they said I am not a Fannie Mae backed loan. I moved temporarily for a school opportunity and was told in December that a property preservation company was kicking in my back door. I called Bank of America and they said no one should be entering the house because I still fully owned it. I spoke with the property preservation guy but they had already changed the lock on my back door (threw away mine) and turned off the water. I figured (stupid me) that Bank of America would tell them not to go back in my house.

Two weeks later, I received another call from a neighbor saying that the company was taking everything out of my house and shed and throwing it in a trash trailer. I called Bank of America again; they said someone was authorized to inspect the property. I called the property preservation company and they emailed the paperwork showing Bank of America authorized their bid and action. I now have stuff missing from inside my house, and the stuff that they put back in my house is damaged. I have called Bank of America every single day this week and spoke with at least 14 different people, who say they are low on the totem pole and can’t answer my questions. No resolution yet. My account manager has called once on a Wednesday evening, around 6pm. I have a family, I missed her call. No return calls yet.

No one in Bank of America can tell me why or who authorized this company to go in my house and damage my property. I also called the Baton Rouge attorney Herschel Adcock, representing Bank of America, and was told there too that I own my house, that Bank of America should not be sending people inside. This is sheer incompetence and stupidity that should be criminal.

A week and a half later, I received a reinstatement letter asking for 6 months of mortgage payments and $2,400.00 in attorney's fees; with a letter stating that the attorney's fees would be waived if full payment was received by 12-21-12. I overnighted a payment, less attorney's fees, and it arrived on time. However, that same day, I was served with court papers; and a few days later, BOA returned my payment to me. Now, I am attempting to work with the attorney's office, but less than a month later, the attorney's office is indicating $5,220.00 in attorney's fees. For what? Neither the attorney's office nor BOA ever bothers to return a single phone call. In fact, the attorney's office lost my check for 18 days! This process is ridiculous and should be criminal.

After dealing with them on the phone, they promised they would accept the payment in that amount and all would be fine. We paid the $1,600. Well, guess what? Of course they then told us again that we were $36,000 in arrears, including late payments! So we threw away $1,600! We were fortunate enough to be able to move to another house, so we gave up and after over 2 years of the foreclosure threats, it will be done in March of this year. So after doing everything right and never being late or missing a payment, we lost our house with all the downpayment money and improvements, etc. We have paperwork from our account online that shows they entered all of our payments made and then deducted them all. They did this numerous times trying to cook their books. I think they don't even know what the truth is anymore. Then they locked us out of our online account. I couldn't even make a payment online anymore. (I took screen shots of this too.) I will see if we can get an attorney, I guess. Our credit is ruined and we lost our house after doing everything right down to the letter. This is pure corruption.

I got a check for $1,250. Where is the rest? Now I am a month behind in my payments and get calls every day - up to 5 per day at work and home. It is crazy! My credit is now affected and BOA is asking me what they can do to help. I am so frustrated! I feel this is their mistake and should pay for it. That check they sent me had no information that it was from my mortgage payment. I have since applied that money to other bills. How am I supposed to come up with an extra month of a payment when I live paycheck to paycheck? I feel like my hands are tied and the calls from Greentree are now causing me stress and anxiety!

We are trying to get a home modification and were told we had to be two months late to qualify. So there goes the six years we have paid on time every time! Our mortgage is 7.75% and always on time. Do you really think they would consider a refinance? After leading us on for three months, they finally told us no. That's when we went to the home modification plan, which is not working either. We are not upside down in our loan. We just have hardships we have faced for the last two years and just are totally out of all savings. I'd sell my hair, but no wait. I just went through breast cancer treatments so I don't have any. If any of you are still out there and want to get the ball rolling, consider these phone numbers as a course of action.

Consumer Financial Protection Bureau at (855) 411-2372

Want to make a bank nervous? Just mention the word "auditor," then throw in the word "federal" and you will get their attention! Surely, if enough of us call or write, someone will stand up for us. United we stand, divided we fall.

Lo and behold, BOA started taking our payments and placing them in a separate account to show hardship while they were modifying our loan! We never signed up for loan modification or filled out any papers. Our story is way too long to write out but for over two years, we had to call each month and have our payments found and we had to prove that we were paying them with bank statements. So then of course, BOA is tacking on late fees and charging us for them hiding our payments. They show no record of us making our payments each month until we called in and fought to have them applied. Like everyone else, the reps on the phones had no record of previous calls or notes on our account. We continued to keep this up for months. I, like an idiot, kept thinking it would all work out as long as we kept making our payments.

So then, the foreclosure threats started. People calling yelling at us for not paying our mortgage, FedEx packages weekly, people coming to our door to inspect the property. A BOA person even went to a neighbor's house trying to get to us! We ended up getting our payments denied and sent back to us in the fall of 2011 because we were supposedly in foreclosure. We ended up using our savings and paying late fees and two house payments to stop foreclosure. Remember we never missed a payment. We have four kids and I just wanted the harassment to stop. I couldn't handle the fight anymore. So then, we paid BOA all the extra money they wanted and they promised our credit would be repaired. I have written letters from the CEO or the president stating they would repair our credit.

Now, here in Jan. 2013 and our credit is shot! Our credit report still shows late payments by 90 days! I, of course, called all the people we dealt with and numbers have been changed. People are no longer with BOA and no one has record of our story. Help! Isn't there a lawyer out there that can help all of us! I can't keep fighting four years later and still not getting anywhere!

For the last year, I have been working with a person by the name of Jana ** - which is getting nowhere. Last night, I called to see if I could reach someone and found out that I have another account manager that I have never heard of. I left her a message for Julie ** and then called her supervisor, Jeffrey ** - no luck there. So then I call his manager Mark **. I still don't have a callback. I don't know how big the Office of the CEO and President is, but that is the title that all of them use. I think they let the phones roll to voice mail because they don't want to deal with their customers. They just want to take their homes. I know that BOA is doing the same thing to me that they are doing to others. I wish I could find an attorney that would take a class action lawsuit and put the bank out of business. I just want to be able to stay in my home, pay a normal house payment, and breathe a little easier. But it does not seem to be happening.

This was going to help us, relieve our stress but as of today, this has been one of the most stressful things we ever have done. Thanks for the help, BOA! After sending us on a complete wild goose chase 2 days after Hurricane Sandy to find lien release papers from a company that no longer exists, we got them! These very important papers were never needed before, not even for our refinance. And funny enough, since received, I have not been asked for again. It is heartbreaking to hear what people have been going through and all because (just like us) they were promised help and relief!

The following month, I received my next statement with a different amount even more than the last statement, plus late charges. I called Bank of America again, explaining to them that we had a fixed rate, 30-year mortgage. There is no way that my payment should increase. After some searching, the representative told me the money added to my payment was part of funds placed into an escrow account that Bank of America created to cover the Lenders Placed Homeowners Insurance they imposed on our home. We explained to them that we had homeowners insurance and our premiums were paid through State Farm.

I called State Farm and they confirmed they had given the bank a Declarations Page for the insurance as we had as well, like we did every year since home ownership. The representative said that because they had no proof of insurance about a Declarations page (did Countrywide neglect to transfer over that vital part of information when BOA took over our loan?) that BOA just went ahead and imposed the insurance on our home. I never received any information prior to this about Lenders Placed Homeowners Insurance, and I didn't get any letters or phone calls explaining why they did this without letting us know. I never received notification that they didn't have that information prior to imposing their own insurance on our home.

As far as I was concerned, because nothing had changed with my State Farm Homeowners insurance, there was no need to do anything different. Then the harassing phone calls began, phone calls from Bank of America collections department trying to collect the money that they said I was delinquent on. In the meantime, I continued to pay my scheduled monthly payment of $1,055.21. I would make them every month and on time. I made numerous phone calls and each and every time I spoke to a representative, I was transferred to another one. It was always a different department. The right didn't know what the left was doing. Then I was told they could not speak to me because I wasn't authorized being that my name is not on the loan. I had to fax confirmation from my husband allowing them to speak to me. I faxed the confirmation.

The harassing phone calls continued throughout the day and evening; sometimes, as many as 12 phone calls a day. Each and every representative refused to help me stating there was nothing they could do about it or they would transfer me to a different department and I would have to repeat my story again and again and again. So many times, the call ended abruptly either through disconnection or a representative that just didn't want to be bothered. Some were downright rude. Still, the harassing phone calls continued. And these phone calls were coming from India. Really? There was always a foreigner on the phone trying to extort money from us.

I finally got a representative who said if I sent them the Declarations page for my Homeowners Insurance from State Farm, they would be able to fix the problem. So I faxed over the Declarations Page proving that I had insurance. She said it would take about 48 hours to process. I waited to hear back from them. Nothing. We received more continuing harassing phone calls and more statements with increased amounts including mounting late charges. I called again. This time, I went to State Farm and had them investigate the last 4 years of statements and payments to prove that I had never lapsed on Homeowners Insurance and proceeded to call Bank of America once again. This time, I had State Farm call Bank of America with the information. State Farm faxed over the information that Bank of America asked for.

A couple of weeks passed and the harassing phone calls continued. The statements never changed and now we were getting letters threatening foreclosure proceedings if we didn't bring our account up to date. We would also get packages from FedEx that I would have to sign for from Bank of America containing application for loan modification. What for? We pay our loan payments in time. Why would I need loan modification? By this time, almost a year had passed since the problem started. All I got was empty promises from Bank of America that the problem would be rectified.

One day, a woman appeared at our home. She was walking around the house with a clipboard in her hand. My husband went out and asked her who she was and what she wanted. She wanted to know if the homeowners still resided in the residence. My husband was dumbfounded. He explained that he was the homeowner and yes, he still lived there. She proceeded to tell him who she was and explained she was sent to the house from Bank of America. They wondered if the house was abandoned. My husband told her to get off of the property or he would call the police. She left. I called the bank and never got an answer as to who this woman was, just that that is their policy when they need to see the condition of the home or whether or not it has been abandoned. Now, we were in shock and feeling totally helpless.

When I called Bank of America to find out if they received the Declarations Page from State Farm, they said they could not rectify the matter because the page was from the wrong year. I went back to State Farm and told them what happened. They contacted BOA and sent them the last 4 years of Declarations Pages proving that we always had insurance. And the information was always forwarded to our mortgage servicers. BOA apologized and explained to us since the takeover, there must have been a glitch in the system and the insurance information was either lost, not carried over, or sitting in a different department that had not crossed the information over. A glitch in the system was the representative’s exact words.

Once again, there were promises that the problem would be rectified. But they weren't. By this time, I had spent countless hours on the phone, taken days off of work to deal with the problem and suffered many sleepless nights dealing with the situation, all the while feeling helpless against one of the biggest corporations in the world and getting nowhere fast. BOA appeared untouchable. My husband's credit was ruined and the stress this mess has caused just kept getting worse. Sleepless nights, heart palpitations, headaches, stomach problems and anxiety had taken over. I cried more than anyone should have over this awful situation.

Over a year had passed and we were in limbo. On the advice of an attorney, he informed us that it was illegal to call so many times in a day. I wrote a letter to BOA and the 12-15 calls a day dropped to about 2-3 times a day. This was a small improvement. But the statements still reflected the amount due and kept accumulating late charges along with the amount due for the ridiculously high amount of BOA's Lenders Placed Insurance. I made phone call after phone call, talked to one representative after another to try and resolve the problem. Each one saw the problem and either tried to help or passed it on to someone else. I had to deal with one department after the other, and in more cases than not, the department they transferred me to was the same department to make a payment to bring my account up to date.

Seventy five percent of the transferred phone calls were to the collections department. Some of the representatives sounded like they were sincere in wanting to help us. Other representatives were cold and nasty in their response to me over the situation. I got answers like "Pay your fees and late charges and your problems will be resolved," or "We can't do anything for you until you meet your financial obligations with BOA," or "Sorry, there is nothing we can do as this is a system error." What? Then there were the returned checks. BOA issued us a check a few times because they could not accept partial payment. I would send in my $1,055.21 payment on time every month. BOA would state I owed more and take some of the money and send me back a check (refunding my mortgage payment) with a letter stating that they do not accept partial payments so they refunded my mortgage payment minus some money. We never cashed these checks.

I continued to make my regular scheduled mortgage payments on time every month, every time. Finally, after almost 2 years, a representative named Betty said she investigated the problem and would be able to help us. After months, the Lenders Placed insurance was removed as were some of the other charges, all except around $245. I was told I would have to contact another department to have it refunded because it came out of another department. I contacted the department and they said they would take care of it. Here we go again.

Department after department kept transferring me from one to another. The letters continued that I was behind on my mortgage and the late charges are still mounting. Once again, no one is able to help us rectify this situation. I was at my wit's end at one time not too long ago and contacted BOA through their online banking service and threatened to go to the St. Petersburg Times in Tampa (our local newspaper) and expose BOA for everything they have put us through in the last 2 years. That is when I got a phone call from a woman named Angel ** who said she was from the BOA Office of the CEO and President's Executive Customer Relations. She apologized for the mess that BOA has caused and she would do everything she could in her power to help straighten out the mess. She left her number and extension number if there were any problems, 877 498-7226 ext. **. Because it was a weekend, she would follow up with me the following week. In that follow up phone call, she said the problem would be resolved but to give it time for all parties involved to fix the account.

Last month, when I tried to call Angel ** at the number she gave me, when I dialed the extension, I got a recording that the number no longer existed and there were no options to speak to anyone else. I truly believed the problem would finally be resolved but we were sadly mistaken. Once again, we started receiving phone calls and letters stating that we were now 1 month behind on our mortgage. And when we told them we paid, BOA stated that our current payment was taken for the month before. No one was able to tell us when the payment was missed. Two weeks ago, a man came to the house and placed a note on the door. My husband asked where he was from and he told my husband to call the number on the paper.

We called the number on the paper and got nowhere. All we got was a recording that it was a debt collector from BOA, and only offered options to make a payment. Finally, on November 13, 2012, we were persistent and called the number again, this time going through all of the motions until we were able to speak to a live representative. The representative went through the payment history and found that we were 1 month behind on our mortgage which we were still in foreclosure proceedings since 2010. She took her time going through the history from 2009, but became very confused as to where the problem started. She was able to see dates where it looks like the account reflected different reversal payments and still could not find where the problem started, only that we were a month behind. When we explained our situation and told her that we had contacted an attorney to assist us because we had been unable to have the problem resolved after almost 3 years, she told us that because of getting an attorney involved, that she would have to transfer us to a supervisor.

The supervisor, Aron **, listened to our story, researched the payment history and after about 30 minutes told us that he found out what the problem was. One of our mortgage payments had been applied to an escrow account BOA created for Lenders Placed Homeowners insurance they took out on our property, and even after proof that we always maintained our own and BOA's insurance was removed, that mortgage payment was never applied back to our payment history. It just sat in escrow. He offered to rectify the situation and said we would have to call a different department, and then offered to call it for us. He then said he would have to research and call the department. It would take him about 30 minutes and he would call us back. But he would be able to have everything reversed and it would take about 48 hours before we would see the change in our statements. We left him two contact numbers, our home phone and a cell phone. He never got back to us. He never returned our phone calls and the problem was never resolved.

Over the course of the 2+ years, BOA could never find a faxed letter of authorization to allow me to speak to a representative; another frustrating situation as I am the one who takes care of the household finances and record keeping. We believe a serious injustice has been committed against us as homeowners. We have been in a BOA nightmare since 2010. The worry that one day we would come home from work and there would be a notice to evict on our door; the worry that after 34 years of hard work to maintain home ownership, that it would be taken away from us in the blink of an eye because of a glitch in the system; the sleepless nights, the times taken off from work to spend making phone calls, the countless letters, emails, the worry, the anxiety. I have recently cut my hours at my job because I can’t handle the stress anymore. This nightmare has taken a toll on my health. This is when we finally decided that we could not let this go, that BOA was going to compensate us for all of the problems they have caused us and our family, so this will never happen to anyone else, ever again. We want to finally wake up from this nightmare and be able to move on with our lives in peace without the worry of not having a roof above our heads. Now, the new nightmare begins.

BOA has transferred our mortgage to Residential Credit Solutions Inc. I have been investigating to find out what kind of company this is, and I read these words: RCS is a Fort Worth financial services company that describes itself as expert on credit-sensitive residential loans, which means at-risk loans or those slipping into foreclosure. RCS says it buys troubled loans, many of them subprime, and works to help owners keep their homes. Foreclosure, a company spokesman once told me, is the last resort. But that's not what a customer and hundreds of other RCS customers say. They claim in complaints on consumer websites, with government agencies and with The Watchdog, that the company is a foreclosure mill where employees purposely delay responses to customers' concerns to make it difficult for owners to keep their houses. Now we are really scared. What has BOA done to us? We have a spotless payment history. We are law-abiding citizens. We would never do anything to cause anyone problems.

Now, BOA won’t even talk to us and we are being harassed by RCS for money that we don’t even owe. BOA transferred our mortgage that they screwed up, promised to fix, never did and now we probably have to pay for an attorney to get out of a situation BOA placed us in because of a glitch in their system. I want BOA held accountable for all of the stress and heartache they have caused us. This is our life! I am looking for someone who will help us. We want our story told. We want front-page news! I am at a loss for words and desperate to find a solution to end this nightmare.

When it is your turn to speak, she cuts you off and gets angry if you attempt to interject. My daughter spent the better part of the day trying to figure out why BofA is saying they do not have their money. The assigned rep said they made a payment and then stopped it. She saw no other payment and said they are in default and needed to make the January payment. Asking about the payment made on 12/26, she just went back to that only one payment was made and that payment was stopped. She claimed that no payment was made and my son-in-law needs to contact his bank. He contacted his bank and they confirmed that BofA got their money on 12/26. Account manager said no. Normal customer service reps, who make sure to tell you they don't know anything because they are not in the loan modification department, have a brain and will tell us that the payment made on 12/26 was received. They show another debit attempt with a stop pay but they can see the 12/26 payment.

We explained that the 12/26 payment was for January's first modification trial period payment. Rep stated the payment was received but was not applied to January. But we have to talk to the assigned single point of contact loan manager because she is assigned to our case. Can someone tell me why the loan reps are not in California? By the time my son-in-law takes his 1/2 hour lunch and attempts to call, the woman has gone home for the day. Really? Philadelphia? Are we just trying to make this even more difficult than it is for those trying to make good on their promise to pay back a loan?

BofA single point of contact says it's quite simple. You need to go to your bank and have them print out the transaction history, etc. and they can write a cover letter apologizing to BofA for their error. The bank here says they have made no error and the payment was made to BofA. The checking account is missing the money so obviously, someone got paid. And then there is the sweet CSR with a brain who confirmed the payment was received. In looking through the many screens, reps confirm that there is not an authorized auto payment, so BofA would not do such a thing and the CSR told us that the only person who could do that would be your case manager or single point of contact.

So they waited and talked to this magical person who has power beyond their right. It's kind of like the Wizard of Oz with the Single Point of Contact being the man behind the curtain. Single point of contact basically spits out the same 800 number debt collector three-minute dissertation and again tells you that you have not made your payment. This is already a difficult situation for families. Do we need to make it harder? Why can't we speak with someone in the same time zone? You try juggling a 2 and 4 year old, getting to work and not being allowed to take your lunch until noon at which time the single point of contact has checked out for the day. And she is sure to tell my daughter that she can take a payment over the phone next month if they call her directly however, and you'll love this part, "I have hundreds of cases and receive hundreds of phone calls every day. This is why sometimes I cannot get back to you for several days. So don't leave me a message authorizing a payment because I might not get to it and your payment could be late because I am so busy." Then why were you sure to say my daughter could call you to make a payment?

This whole thing is ridiculous. I believe Bank of America is doing everything they can to make the whole experience both overwhelming and difficult for homeowners. Someone somewhere needs to require that staff handling the modification be on hand to answer questions and take calls during California time. The woman works 6:30 am to 3:30 pm Eastern time. So if my daughter wants to talk to her at the beginning of her day, she should what, set her alarm for 3:00 am? Someone needs to take a look at what is going on. I understood that this program was created to help homeowners. Did we miss something somewhere? Who is paying these people? Why is this happening? Does this single point of contact get a bonus or a raise if homeowners are kicked out of the program? Perhaps we should do away with these single point of contacts and turn things back over to Bank of America branches. I'm thinking that perhaps the bulk of the money intended to help homeowners is being paid to these people in salaries.

President Obama has tried to get people help. Bank of America is doing their level best to destroy homeowners. There are plenty of call centers that are open later hours or work night shifts, etc. If California homeowners must deal with people in a different time zone and state, the banks should be required to hire employees who work during California business hours. Single point of contact should be contactable, don't you think? Oh and her voicemail gives her supervisor's name and phone number. However, if you call this voicemail box, it is either mailbox full or you leave a voicemail that is never returned. And the supervisor's voicemail gives you her manager's voicemail which sounds like a very nice man but I suspect he is a bot because he never calls back.

I find it interesting that if I call HP about a computer or printer problem and I am routed to India, I have the right to request to be transferred back to an operator in the United States. But BofA keeps their single point of contact reps in the United States and while they appear to speak English just fine, they are either incapable of performing their job or they are being compensated for discrediting people and taking their homes away leaving them homeless but with a payment made for the previous month.

I wonder how many people have paid on time but their accounts were not credited correctly and so they are kicked out of the program, lose their home and because they sent in their payment, they have no money to secure a rental. This is just plain wrong! Or just another thought, are the single point of contacts hired in states far away so that when they cheat people as BofA is doing, there is not the risk factor of a homeowner done wrong confronting a "Wizard - single point of contact"? Someone needs to do something about this. President Obama, are you listening?

I then talked to 1 person who said that I did qualify for global settlement. This was on Aug.1 and was told that I must call by Aug. 6th. I did and was told I would be contacted in 30/90 days. I called to check in every month and was told the same line every month. Then 2 days ago, I talked to someone from Bank of America who said my lien holder was not participating in this process. So I asked, “Who is that?” They proceeded to tell me US Bank Corp. Trust. Not only did this gentleman say this, but also his supervisor said this. I did some additional work at a local branch and found out this was a boldfaced lie but also the last straw for me. I found out that my loan was held by Aurora MSF Lehman and I further found out they were involved with these modifications.

I’m at my wit’s end. I have not failed to make a payment in 24+ months and also have not had the facts that I made a payment reported to the credit bureaus. And when I was in the branch, the person I worked with didn't know what kind of a loan I had - interest only or adjustable? I should mention that I write down everything - dates, times, person, what’s said, if I was hung up on, put on hold, etc. Which way do I go?

I recommend that each of us record our conversations with the loan "specialists/case managers" we are assigned. Of course, we would reveal to these wonderful BOA employees that they are on a recorded line. I also think we should all start showing up at the BOA branches and request a meeting with the branch manager. Enough of the phone **. What BOA is getting away with is criminal, and someone needs to make a move against them. Call the local news "on your side" folks. Flush these bad birds out.

We have been dealing with everything I am reading that you are all dealing with, from returned checks, to missing papers, to changed monthly mortgage amount, to the "it's in underwriting" line. I would like to know what the percentage of successful, completed mods there have been to date. We are on a dissatisfaction forum. Are there any people out there who have had success? Most of the cases I have been reading about are from people who seem to be upstanding and sincere in their efforts to do right by their mortgage.

Another silo in BoA contacts me and tells me not to do the modification because I could pay in to it for the 3-month trial period and still be denied and then I'd be out that money as well. They hard-sold me on the short sale process, which is where I currently sit. My house was appraised at $200k in 2008, and BoA is now willing to accept $63,500.00 for my house. An entirely different silo of BoA recently contacted me, and I explained my displeasure with them. I said all I set out to do was save $300.00 per month and I wanted to keep my house. Guess what arrived 3 days later, an approval for a trial modification on my loan, without submitting one document, right at the end of my preapproved short sale. I didn't enter in to it because they have me scared that I could still be turned down after I give them my money.

I almost signed an offer prior to Dec. 31, 2012, but I was told by my real estate agent that I had to close prior to the end of the year or I could be accountable for any outstanding balances and taxes. Since it was already middle of Dec. and it takes 30 days to close, I would overshoot the deadline. No, I wouldn't be grandfathered in. And no, there would be no assurances that I wouldn't be accountable. The extension was granted, and I executed a contract on the house on Jan. 8. BoA is now going to decline this sale because it needed to be signed by the 5th. I have had it. I can't sign a new lease for a new place without first selling this home, so here I must stay. But at this point, I'm considering just letting them foreclose and perusing a lawsuit against BoA, going all the way back to my loan inception with Countrywide.

Now I cannot even get a credit card from a bank. My credit score was in the 800s and now in the low 600s. I paid you (Bank Of America) every dime I owed you in those five months and more because of penalties and interest and this is what I get? Where is the forgiveness our gov't talks about for those that lose their jobs and cannot afford a mortgage payment? Why wasn't I offered a month's forgiveness when I called the bank and told them my situation? Instead during the five months, I find a job, and relocate to Minnesota, rent a place to get my feet back on the ground and then I paid everything I owed to the bank and more because I reinstated my loan. Meanwhile, they offer me no refinance, no loan modifications and why? Because I don't have good enough credit anymore to get a refinance and no loan mod because I'm no longer in trouble, this after faxing 225 pages of my personal assets and info to them 3 times because it continually was lost. Really?!

It's one excuse after another. I then moved back into my home in New Mexico and this is what I got. I do due diligence and this is how I'm treated? Also, during my time away with the house for sale (short sale), the bank not only ruins one short sale offer but two, because they hiked the asking price to the buyers after they waited two months for an answer on their offer. Get this, the offer the buyers put in was exactly what the bank told my realtor they needed to submit. Needless to say, the buyers walked and somehow this is my fault?

Seriously folks, ask yourself what more can I do. Now my credit report says I have a foreclosure that started and I cannot get it fixed. Yet, no legal papers were ever filed. I'm declined my first credit card in my life because of this, how the bank reports me to the credit bureau. I called the BofA to no avail. I called the company I applied to get the credit card from in which I keep my money with to no avail. "Oh, so sorry, too bad," they told me. Again, folks, my credit score was 840. I never and, I mean never, missed or was late on any payments in my life. Wow, it's unreal. It really makes me wonder why I just didn't move back to my house in New Mexico and stayed, not paying them the $2,100 a month mortgage payment, saved my $17,500 reinstatement cost and lived in the house for free until I was thrown out of the house.

I have learned a valuable lesson and I want to share this lesson with anyone out there in the similar situation. If you're in the shoes I was, just stay not paying because, really, there is no incentive to continue or make up the payments. Where is the help for people the gov't. says the banks are to provide and we pay for?

It was the day after my house sold that my customer relationship manager called and told me they were sorry. The customer relationship manager told me that she was unaware of the laws in my state and that they did, in fact, sell my house. There was nothing I could do. Now, after speaking with over 20 attorneys in Kentucky, I realized I stayed here in my house for nothing. I tried to fight but I could do anything. I feel stupid. My instinct was to pay them. I even sent money that they kept but did not apply it to the account. It was in another account and they were going to mail it back. I tried the attorney general although he sent a letter to me and Bank of America requesting that they negotiate with me. They did not! As a matter of fact, they kept trying to get me to just give up. Now, I have to. I have been ordered to leave my house as of January 9th, 2013.

I have a trailer and loading up a family of six - four kids, my fiancee and I - and we are all confused. We didn't think that they would let this happen, but they did. We can no longer fight. We are packing up tomorrow. I was never told by the bank that my house was for sale. There was obviously a lack of communication. I don't know why. I hope that I can find a home. This is my worst time of the year as far as money goes. I have $400 enough to store our belongings and then, I don't know what. Bank of America representatives told me I would have time to make a decision - time to sell my house, time to pay back what I owed and time to be prepared before a sale. I didn't even get one day of notice. I received paperwork from the courts but at that time, there was nothing I could do (according to the "master commissioner" who is my attorney).

Bank of America representatives told me there was no way my house was for sale. There was no "sale date" up until the day after sale. Legally, they may have done the right thing (even though I don't believe they did) but my smart nine-year old who score 80% higher than most kids his age on state tests is supposed to learn right from wrong. How can he - when he sees my honesty and it has gotten me nowhere. I told him that some honest people fall through the cracks; it happens, especially when large companies are involved. I wish I could keep my head up. I guess we will go to a hotel and stay there until I can afford an apartment or a place that's suitable for six people. I've put $25,000 in my house. My whole life's savings is gone because of misrepresentation.

Today, January 11, 2013, I got a notice from BOA saying that 2 months of mortgage payments are due immediately. The form went on to describe additional remedies that BOA had against me and the charges they could impose on my account for services they might choose to order in response to my late payment(s). In addition, I have been getting phone calls from BOA regarding the late payments. Mind you, I am paid up through December and am still within the January grace period. I am not even late on this month's payment! BOA is threatening to impose additional charges on my account that will be impossible for me to pay. Essentially, they will force me into foreclosure for paying late?! BOA seems to be pushing customers into foreclosure instead of helping them to avoid it. Isn't that one of the things that the federal lawsuit was supposed to stop?!

My credit is completely messed up and having a hard time surviving as it is because of all of this. I have been trying for a few years to find an attorney who would help me, but no one returns my calls or they say they can't help me because I don't have the money they require for a retainer (which if I didn't have horrible credit, I could get a loan to pay for the retainer). I need help in this matter very urgently. I don't know who to talk to or ways to get help on this matter. Bank of America has ruined my life financially because of all this. I want them to have to answer for their mistakes and make up what they did wrong to me and my family.

We kept seeing FedEx packets at our door almost every six months, and when we call to say that we've already filed this, we were told to ignore it and that they were just sending it to everyone to make sure they covered their bases. I know that there are plenty of people out there experiencing the same thing. Why can't one law firm just take on all these unsatisfied customers to fight B of A? It pains me that a big corporation like this can't get their act together! Now, we are being told that when our loan was modified, there were fees involved and we supposedly owe about $3,000+ on the account when we were never told of anything like this when it was approved nor received any type of correspondence from them!

We have been working on a loan mod since 2010. We have been asked to send in paperwork over and over again. Every time we go home, there is another FedEx package on the door requesting more information. When we call to ask questions, we are told that it's being reviewed. I would like to know what our rights are and where is all that help they say is out there? I would love to find a lawyer who is ready, willing, and able to go after our rights for us. We have asked for help, but no one seems to care. The banks just want to foreclose on these homes because they are not helping customers who are trying to save their homes. What happened to all that money for the bailouts the banks got? Where is the help?

Bank of America did whatever they could possibly do to drag on this process as long as they wanted to, so that they can use this technicality and deny our modification. They had no intention in helping us. BOA is the worst bank ever and does not care about their consumers.

I have come to find out that it's a BOA common practice in order to avoid any modifications. They are not only wasting the customers' time and efforts, but they are also deceiving and misleading them. We are not talking about one or two unhappy customers. There are thousands of them. I believe that BoA is dishonest and they should be audited by the government on their accounting practices on this matter since BOA got our bailout money and agreed to participate on the government's home affordable program to help people who are eligible to modify their home mortgages.

We were denied because Bank of America has decided that our "hardship" is over and we no longer need assistance. We can only hope that officials at Bank of America have similar issues and that judgment for them after almost 2 years is a denial as well. Shame on them! I will follow this through to the highest extent I am able to. They cannot keep doing this to the people who really need help!

I had to be out of the house according to the contract with the rescue company by Dec. 1. I received an email from the rescue company after I was out of the house that I need to contact BOA. I contacted Mark **, and he said the modification was approved. I told him I was out of the house now. I had signed a one-year lease to rent a house, and I had hired a company to do the short sale. He told me I should not have left the house. He then denied my modification and signed off for my file to be sent to short sale. The rescue company stated that they would make sure everything was OK with the house and take care of it.

My concern was leaving the house empty. Last weekend I noticed a side gate open at the house. I went and checked it out. The hot water heater was missing and the ceilings were all destroyed. Someone had taken the copper piping through the ceilings in four rooms. It is a horrible mess. Please help me. I have been treated horrible through this whole process. I feel that I was wrongly done by the mortgage company. It has been a year and a half, and I should have been approved the modification a year ago. I should still have my house, and there would be no damage to the house.

My husband has written several emails asking what else we can do to push this along and get it closed. We've asked if there is a manager to discuss our application with. In the end, it seems that they want to string us along to keep paying at the much higher rate we currently have with our 30-year fixed loan through them. Maybe they're just waiting for the quoted rate we signed for to expire. Either way, there doesn't appear to be an end to this process and if we hadn't already fronted several hundred dollars so far, we would just go to another bank and start all over.

I don't see how there isn't a class action lawsuit against them since in these months that we haven't been under the new refinance rate, they have taken more than the couple hundred we've fronted for appraisals and forms. Taking into consideration the difference of payments and amount per month that would be going toward our principal amount as opposed to interest, BOA is collecting almost $500 extra from us each month they delay our refinance closing. Is there really nothing that can be done to hold them responsible for this bad business? In speaking to others who have refinanced with them recently, BOA appears to be running this same circle around all of their customers.

My credit scores have been in the low 800s and high 700s forever, never having a late payment on anything. I have sold everything of any value, including all of my jewelry, to make the payments. I put my house up for sale, only to have a low biased appraisal on it; and the deal ultimately fell apart. I now have it for sale again, and I am just looking to get into the forbearance program until I can get it sold. I really don't want to sell it, but I have no choice.

My loan is at 6.25%. I have paid Bank of America $160,000 in interest over ten years without one late payment. I have paid Bank of America a total of $250,000 over ten years in cash. I submitted all of the necessary papers, only to have the account manager go on vacation about three weeks in late November and December. She dropped the ball in mid-December completely, and then she called me on December 27th to let me know that there was just "one more thing they needed". This is after I specifically asked her to contact me immediately on December 18th if there was anything else needed. She apologized but was on vacation.

During this time, I have received a notice of intent to foreclose from their California office, and I have tried for days to talk to someone. But I only get routed in a quagmire of voicemail that ultimately routes me back to the account manager. The account manager told me that they are not allowed to contact underwriting any longer, so there is nothing that she can do to help. Since October, I have received packages of conflicting documents for BOA saying all sorts of things. One will say “We have all your docs and will review and let you know if there is anything else we need.” And on the same day, I will receive a package saying that I should submit for assistance before a certain day that usually has passed.

It is the most disorganized company that I have ever seen. I finally went to see an attorney who advised me to file complaints against them and send letters to the Board of Directors at both BOA and Freddie Mac in hopes of getting someone's attention. I am in the process of doing that. The only thing we can do is wait, and if they actually try to foreclose, file Chapter 13 and take it into court. If we do that, they will have to wait five years for the couple of payments that are past due. How can all of this happen in a country like this? How can the Board of Directors not replace Brian Moynihan as CEO? I did send him a letter in February and received a call from an executive assistant telling me that there was nothing that they could do to help. They also said that if I did not continue to make the payments, they didn't care; they would just foreclose. This is Bank of America.

Finally, in September 2012, I was able to have a conversation with my CRM who told me that they now needed new paystubs because the paystubs I sent in June had now expired. He also told me that I needed to fill out an RMA. I did that while I was on the phone with him and faxed the new paystubs and RMA document over. My CRM told me he would stay in touch with me every 7 business days which did not happen. I continued to call weekly to check the status of my modification but would 9 out of 10 times have to speak to a customer service rep because my CRM was never available. It came to light that my CRM dropped the ball on my file. I contacted his manager who told me she would speak to him and have him get in touch with me. She apologized and said if I don't hear back from him to call her back. Well, I called her back and did not get a response.

In October 2012, we were hit with hurricane Sandy, so the money that I was going to pay towards my mortgage in October for September needed to be used towards other expenses being I was without electricity for 8 days. I contacted BOA to ensure that my house was not going into foreclosure being I was now 60 days late. My CRM confirmed that he did not see a sell date on my house. I expressed my concerns to him about me starting the process in June and now we are in November and I had no idea where I stand. He apologized again for dropping the ball and said he would do what he could to expedite this but my file was with underwriting.

December came around and I still had not heard anything and every time I called to speak with someone, I was told there were no new updates. So I decided to leave a message for my CRM manager's manager. I never heard back from him but did receive a call from another CRM who said he was assisting my CRM and needed to verify some information that underwriting was requesting. I provided that information and he told me he was sending it over to underwriting now and I would hear something soon. Well, that was Dec. 20th and I never heard anything. When I looked online to check my status of my modification, it indicated it was in Document Collection Status, when my CRM told me it was under review. For months, I have been told my file was with underwriting only to learn it is not.

I finally got fed up and contacted the Office of the President/CEO of BOA and opened a case being I felt I have been given the runaround. They opened the case and I was contacted yesterday, Jan. 7, 2012 to find out that my file never reached underwriting and all of my documents expired so I need to start from the very beginning. My emotions overwhelmed me because now I am 3 months behind and if I do not make a payment this month, I will be 4 months behind. When I started the process, I was only 30 days. I have been lied to since the beginning and I am disgusted. I was told that they can proceed to foreclose on me now because I am past to 90-day mark. I do not feel that they should be able to because I have been trying to get a deferment or modification since June 2012, when I sent a hardship letter over that is dated May 31, 2012. I need help.

This is unacceptable and BOA should not be able to continue to lie to their customers. I had lost my job in December 2011. I found a new job but took a big decrease in my pay. I continued to pay my mortgage the best I could. That's when I turned to them for help and instead of helping me, they just created more stress on me and now I am in jeopardy of losing my home.

Now, here's the problem. I paid the late fees in October and November, and BofA sent them back! Then in December 2012, my wife contacted BofA to discuss this and was told that the late fees were once again due for October/November 2012. Trying to deal in good faith, my wife paid the late fees, once again, that had already been paid, then sent back, then paid again and sent back? BofA is now telling us we are behind on our mortgage because we paid exactly how we were supposed to and they sent the payments back. Each and every time we contact BofA in good faith to resolve this issue, we are given a different answer. This is becoming very frustrating! I would like to file an official complaint to make BofA answer for themselves and would appreciate guidance on how to do this.

For 2 years, we have been making payments that several were actually in whole or partially returned to us and told that certain monies were put to fees, the rest returned. We were sent 6 months in a row $64 saying we overpaid, then 5 days later, we got a letter saying that our payment was of some erroneous amount and that which was sent was insufficient and attributed to some other made-up fee. We have continued to make the payments on our monthly stub sent from BoA, and every single month, we have gotten a check in some weird amount. This month, we received a check for $9(!) saying we overpaid. Then a letter 3 days later came saying that we didn't make a payment. Then, we received a foreclosure notice saying we are 6 months behind and we owe $9,350 even though we make a payment every month.

I have spent over 80 hours in the past 2 years trying to clarify the errors only to be given the runaround. The reps tell you that you never sent a payment even though I have the cancelled checks, then they transfer you and the next rep apologizes and says they see that you made a payment but it was insufficient. Then I give them the check no. sent by BAC as a refund of whatever they make up this month, and they don't understand what that is so they transfer you again. Then you make new payment arrangements to be sent electronically asap, and you are told you will be caught back up even though it is hundreds over what you were supposed to pay.

Every month for 2 years, they have charged and refunded monies with absolutely no feasible explanation. And whenever we call, no one knows what you are talking about and tell you it must be an error and then it happens over and over and over again! It is a joke because they can and there is not a darn thing anyone can do about it!

The government is funding them for all the foreclosures, so it behooves them to reflect as many foreclosures and modification processes to continue to receive funds from the government that we pay into. Then they charge all sorts of bs fees again from us, the working class, then take your home and sell it and continue to make money hand over fist so that some ** CEO can have 10 homes globally, 12 cars and vacation while the middle class works around the clock to play catch up. Then those same CEOs make a big fat government contribution to have the govt. look the other way or give half of the same congress seats on their boards or consultant fees with a direct conflict of interest, knowing damn well that no one can do a damn thing about it.

Why doesn't the group that camped out in parks go camp out at Congress and demand to get some real resolve to the moral, ethical and financial dilemma that this country is spinning? It will soon be a real hunger game when there will only be ultra-rich and ultra-poor as the middle class continue to fund the fat cats. We have owned our home for 19 years and only missed one payment. And why the heck does it take over $8,000 in fees to catch up on one missed $950 payment?

We got a letter that we have to pay $5,000 plus or they will foreclose on us. We are trying to decide what to do now. We have not made Jan. 2013 payment. We are afraid we will need this to move on and yes, I am still on medical leave from my job. I had five surgeries and now I am still sick. My nerves are shot worried about my house. We refinanced through them in 2011 to get our APR down from CitiGroup. What a mistake we made doing this. No one calls when they say they will. We have called and called our agent. It started out good but now, she is the third agent we have had through this mess. It is sad when they say one thing and do another. They play with people and all agents tell you different things to do. As I said above, we are so confused on this.

Shortly afterwards, I started to get collection calls after making the payments early. Bank of America Collection Department calls me at least 3 days per week. Why? And after me leaving five messages for my account manager to call me back, I have gotten no response at all. Why does the Collection Department call me 3 times per week? And why has my account manager including her manager not called me back? Also, I am making my payments. Why is Bank of America calling me when they can't even answers any of my questions?

No state or federal government entity cares about these issues. Put me in with any class action lawsuit filed against Bank of America. My request for HAMP was based on a brief period of unemployment. This four-page cover letter is seeking your assistance in reference to our submission # **. I am convinced that Bank of America (BOA) is committing fraud against me and HUD FHA. The listed time line is provided for your reference. Please see attached, BOA FHA HAMP Trial Period documentation dated 9/25/10, BOA Completion of Trial Period Plan dated 4/20/11 and BOA pending approval for permanent modification dated 8/21/12. Also attached are mortgage statement and escrow balance sheets. Thank you in advance for help in this matter. My original monthly loan amount is $2,091.78. Based on BOA's own HAMP calculator, using my income and debts, my payments should have been $1,691. On 7/20/2010, I made initial call for modification.

On 8/5/2010, I submitted required info via FedEx with letter notice of new job, but with no pay stubs yet. I've attached notice of pay rate pending stubs. On 8/27/2010, I called to get fax number to send two pay stubs. I sent two pay stubs via fax. On 9/3/2010, I called BOA in underwriting and sent another current bank statement. Needed current bank statement was sent via fax. Three statements were sent in total and I was assigned to Francis **. On 9/15/2010, Todd said it was in underwriting. On 9/22/2010, Jessica stated nothing changed and call back in a week. On 9/23/2010, BOA letter stated I was denied because of date. I received it on 9/24/2010. On 9/25/2010, Terri spoke with Marneesa, who stated we were approved for MHA and will receive three months trial period info in two to three weeks. On approximately 10/6/10, I received FedEx letter from BOA stating we were eligible for the FHA Home Affordable Modification.

I returned requested documents to BOA prior to due date of 10/25/2010. Letter stated to begin making three-month trial period. Payments of $2,095.84 were made on 11/1/10, 12/1/10 and 1/1/11. All payments were made on the due dates. I called BOA regularly after the trial period and was told our case was in underwriting. On 4/20/11, I received FedEx packet from BOA stating, "You have successfully completed the trial period plan." We completed the packet which required us to agree to having $15,147.44 as a second loan for the modification. We had paperwork notarized and returned to BOA prior to May 20, 2011 deadline. I also included first modified payment of $2,056.46 with the documentation. I continued making monthly payments as required since 11/1/10 and called regularly about the status of the modification. Advised paperwork has not been finalized. Currently payments are being made monthly for $2,056.46.

On 8/10/11, we received a letter by USPS from BOA advising us to contact a BOA customer assistance center to schedule an appointment with a counselor. The enclosed documentation requested by BOA is the same documentation they requested and received a year ago. No appointment was made with BOA. From August 11, 2011 to present, I continued making routine calls to BOA concerning finalized modification and have spoken to the following people: Francis **, Allen **, Kenneth **, Jaqueline **, Deon **, Linda **, and Ronnie **. I received a letter dated August 31, 2012 from Bank of America advising that our mortgage modification is near finalization and requested we sign, notarize, and date the attached agreement. After reviewing the documents, I noticed several errors. I immediately called Bank of America and spoke with Kenneth ** and advised him of the errors and made him aware I would not sign them due to these errors.

Mr. ** advised me after I sign the papers the statements would straighten themselves out. I advised him I was not comfortable signing with these errors. I explained to Mr. ** the errors that I found and they are as follows: First, I explained to him that our payment is $2,056 and for the last 23 months, our statements are saying $2,477.75. Why and when did our payment increase to $2,477.75? After speaking with Kenneth, he stated that in October 2010, our payment was changed to $2,477.75. I asked him why our payment was changed. Our taxes and Homeowner's Insurance did not change, so how could my payment go up by $421.75 a month? He did not have an explanation and explained to me that after we sign the papers, our statements would reflect correctly. I explained to him I was not satisfied with this explanation and asked who else I could talk to. He advised me he had a meeting at 9 am and he would run it by his boss.

I did not hear back from Kenneth that afternoon so I called him back and asked if he found out anything. He advised me he spoke with his manager and they sent it up to underwriting to check for errors. I advised Kenneth that this matter would have to be rectified in three days because the modification due date is September 15, 2012. He advised me he would call probably the end of the week. Secondly, the modification paperwork has the following errors: In the partial claim amount section, it claims that we will owe FHA $18,293.26. It listed four months of arrearages at $9,911.00, which if divided by four equals $2,477.75. If you will note, this is not the modified amount or any prior mortgage amount. This amount was created at the time the FHA HAMP Trial Period started. All the other fees are based off of the incorrect monthly mortgage amount!

It reflects past due interest at $4,748.26, past due escrow at $6,472.09 and other deferred amounts totaling $4,662.70. This is all stemming from BOA changing our payment when we applied for modification. Prior to the modification as you will see in the attached statements, our escrow payments prior to modification were $453.49 a month. Once we agreed to the trial plan, the escrow monthly payment increased to $839.46. There is no reason for this increase. There has routinely been a positive escrow balance. Why would they all of a sudden double this? Even the most recent mortgage statement reflects an escrow balance of $4,313.34. Also, this same statement reflects unapplied funds which is money we have paid, $5,748.09. Obviously, the unapplied funds balance is large because BOA expected us to pay $2,477.75. So with them changing this payment for no reason and not continuing with the modification amount, they considered each modification payment as insufficient.

BOA cannot answer why my payment went from $2,056.00 to $2,477.75 after filing for a modification. I think I know why the mortgage amount changed. BOA gets reimbursed quickly by HUD FHA in the full amount of the partial claim amount. The higher BOA got the partial claim amount, the more money they make. So by making up a bogus payment amount, they get more immediate government funds. Of course, they don't care if the math is not correct. I'm the one having to agree to pay HUD FHA back on a subordinate note. It was a pretty clever idea BOA had. They knew we would pay the agreed modification amount of $2095.84 while they claimed our mortgage payment was $2,477.75. This would always show us as being behind and not paying the full mortgage amount. On their end, it looked like they were paying overage costs and escrow deficiencies and absorbing late fees. This was clearly done to defraud me and HUD FHA.

In closing, I was looking for mortgage assistance and desire to keep my home. BOA is trying to force this modification down my throat and sign the paperwork with any fraudulent numbers they provide or face foreclosure. In the end, my initial mortgage payment was $2,091 at George Mason Mortgage (see attachment) and then sold to BOA at the same rate and payment schedule. The new modified mortgage amount is $2,095.84 (see attachment). But according to today's phone call with BOA, the new payment will be $2,105. This is a scam without a doubt. I appreciate the assistance of the Attorney General Office. I and most other consumers cannot deal with this corporation alone. I can speak with you at any time.

My last letter told them if I didn't see the requested changes made to the account, I'd forward all my correspondence to the estate lawyer and they'd be forced to request any payments from him instead of me. Mind you, all of this happened because I was simply trying to set up an estate account for my late mother's estate, so I could pay BOA the monthly payments. I've worked with at least a dozen other companies handling my mother's affairs and none of them have given me any problems. All of them expressed their sympathy and tried to make the standard account change requests as gracefully as possible. Not BOA. They are disorganized, greedy, uncaring mercenaries who think nothing of illegally attempting to force the estate of a dead person to pay late payment fees while refusing to set up the account correctly according to guidelines. I hope BOA as a company dies a sudden, painful death just like my mother did. They deserve it. She did not.

I so wish I had checked this site before looking for a refinance! I would have never gone with BOA, and I will make sure that no one in my family or circle of friends will either. If they had not duped me for the $500.00 appraisal fee upfront, I would have been long gone. The part that bothers me the most is that we have had our mortgage with BOA for seven years and not once have we missed a payment! We have excellent credit scores and have always paid our mortgage faithfully! We went to BOA thinking it would be a no-brainer as we already have our mortgage established there.

In addition, they have asked for tax documents that we never even filed. They asked for a 2106 or 2106EZ? I had to call our tax preparation office, speak to the girl that did our taxes to find out what this even was, and have her send the blank 2106 from our 2011 tax filings. Really?! I e-mail the underwriter (Alicia **) to ask them about the loan and never get an answer, just an e-mail in the next week asking for something else that has already been submitted months earlier. I truly believe they are simply trying to wear us down until we say, "Keep the $500.00 fee. This simply is not worth it!" We are getting very close to that point. This is the most ridiculous thing I have been through in my life.

I then (a week later) received another letter saying my modification was cancelled because documents were requested and I did not provide them. I became very confused by that letter because no one requested any documents from me whether via phone or mail. I then called B of A again in October 2012 to inquire what is going on with my modification, only to be told that I need to complete documents. I did not complain. I completed the documents and sent them back promptly. A week later, the new assigned relationship manager told me it was not approved because it does not show the need even though on my income worksheet and my bills, it shows I am short over $1,000/month in income for bills. I also went as far as explaining to the new assigned relationship manager that I am a newly grad and was to finalize my divorce, plus I was out of work for 7 months and the new job I work now is not even half the income I used to make when I purchased my home.

The assigned RM states she would go back to the underwriters to have them revisit my file and asked me to fax a copy of my divorce decree. I faxed the decree and here it is 2 months later and I have yet to get an answer. Instead, she keeps going back and forth, telling me all kinds of excuses, with the latest excuse being that "your ex-husband was not on the lien so that won't make you qualify for the modification". I became very upset and told the assigned RM I will be reporting B of A for their shady practice and worse, I am struggling to decide (“Should I pay my heating bill, or should I pay my mortgage, or should I buy food to eat, or should I pay my student loans?”) These shady practices by B of A have to stop!

I called them immediately and again told them it is a rental. They said, “Fill out the paperwork. You might qualify.” I have filled out their paperwork and kept in touch with their customer service manager on my case. I have sent in more papers and done everything I possibly could do. 4 months later, I received (via FedEx) a form stating I don’t qualify for a modification. That is what I said 4 months earlier.

After months of doing everything they asked and keeping in constant contact with their customer service manager, someone shows up at my house. I saw a lady out by the road taking pictures of my home (keep in mind this was not the house on the loan). When I asked if I could help her, she said no and left in a hurry. 2 days later, the same lady was outside my house. When I walked out, she asked if I was the person on the loan, and I said yes. She stated she had been hired by BOA to contact me as I would not answer my phone and not respond to their attempts by mail to contact me. I brought out the stack of paperwork that I had on my loan, everything I had ever faxed, and every time I had ever talked to BOA documented on paper. I handed it to her. She said there must be some major mistake and said BOA wanted me to call with her standing there anyway. So, I called them. I asked the lady what she was doing at my house 2 days earlier. She advised BOA had asked her to find my house, take pictures, but not talk to me yet. When talking to BOA, they said they didn’t know why they had sent someone to my house.

So after all of these months and being denied the modification I knew I didn’t qualify for, I want to do a short sale. After being okayed for the short sale, I put my house on the market. Everyday BOA calls me and asks me to pay them and if I have talked to my customer service relations manager. They keep telling me I am signed up for Deed in Lieu of Foreclosure. They keep telling me they have closed out the Deed in Lieu. Today I find out they have not closed it out even though 2 months ago they told me they had. My house has been on the market this whole time. I wouldn't have been able to do the short sale if someone had been interested in it. I am frustrated. I have done everything they asked, and one department doesn't know what the others are doing. I don't want my house foreclosed on. This has been a nightmare.

We tried the mediation process, but Bank of America conveniently switched loan servicing companies weeks before the mediation date without notifying the new servicing company of the impending modification; the lawyer present was from the wrong company, so 6 months of meeting with my lawyer went to waste. We then decided to short sale the house and received a cash offer within weeks; that's right folks, paid full in cash. After months of runaround, the offer was denied because the property value went up. Now, the house is sitting vacant and the poor place is being vandalized and ruined. Now BofA is sending us paperwork on a judicial foreclosure suit. This company needs to answer to someone. Our economy is suffering due to their greed. Will the madness ever end, or will our economy continue to crumble?

On January 31st, the tenant deposited his rent into the BofA bank account (as usual) and I called to make the payment (as all the documents I'd been sent actually suggested I do in order to make sure the payment was made on time). Upon calling, I was informed that they could not find that I was an authorized party allowed to speak in behalf of the account and therefore, they could not take the new loan-modified payment. The first payment of their modification plan that BofA mailed to me at my home address 2,000 miles from the estate in question was now being rejected as they couldn't locate the documents they'd been faxed almost two years (mom died 11/2010, faxed 1/2012) previously. How is it (I'm trying to do the right thing by keeping the house out of foreclosure) trying to help get the economy going in the right direction by doing exactly as they requested, and I'm still denied?

Every other time I speak with BofA, this person finds the documents or this person doesn't find the documents. Then once, they needed me to confirm her Social Security number. She's dead and has been for over two years! I sent you the death certificate, will and my information (as requested) which you use to call me and submit documentation on the estate to! I hate to say this but after attempting to making the payment online from my BofA bank account to her BofA mortgage account, if the payment is kicked back into my account, I will let the house foreclose and send my renter his payment back. When you can't win by playing by the rules they make, there is no way to win, period. In case any BofA person is really out there, or really cares, her mortgage number is #**. From where I sit, it appears that BofA would prefer to have the house foreclosed. They have their documentation on their side where they tried everything they could to assist except take the friggin' payment.

While in the bank, I requested a 15-year loan. A rate was locked in and I walked out of the bank thinking I was going to refinance my home at a lower rate than 6.75. But while I was at home, I got a call from the bank stating that they don't do those types of loans and just hung up the phone. I did not do anything then because I do not like or could not stand drama. I have been with this bank since I got the home I am living in now. I have never missed a payment nor have I been late in making my payments to this bank since 2004 up to present. What can I do to lower my rate with the bank that I pay on time for 7 years and was never late on a payment? Help.

January 2012 I contacted Mia **, who stated that there was a mistake in calculation and I did not qualify for a modification because of a previous modification issued prior or around the time Bank of America took over the loan. At that time, I was told that I had to pay my mortgage for 9 months or I would face eviction and foreclosure. My loan was escalated to another representative, who advised me to make plans to move out of my home because foreclosing proceedings and evictions were taking place. In April 2012, I moved out but was told by the office of the CEO of the President of Bank of America that I had to go through the short sale process. During this process, all utilities had to remain on. Bank of America rejected all of the short sale offers.

Then this representative asked me if I wanted to save my home. I stated yes. She asked for the same documents again. Then she lost them, only to tell me that I did not qualify for any programs. Meanwhile, I was responsible for over $2,200 of utilities that was used at this residence. My utilities at the rental place was cut off and I had to pay the utilities from the house. I am now facing eviction from the place that I am renting. My family and I will be moving back into the home waiting to be served by the sheriff. My advice is if you are with Bank of America, please do not fall behind in your mortgage. Do what you can do to make the payments, even if you have to rent to borders. Do what you have to do to keep up your mortgage.

They required me to set up payment arrangements on past due accounts that I owed, in an effort to be reviewed for a modification. Now I am paying on accounts that were dormant for years, lost my home to foreclosure and still did not get a modification. I was convinced that it was their intention not to modify my loan because it was an FHA loan (guaranteed) to be paid if they foreclosed on my house and they did. I spent countless days away from my desk at work on the phone, and faxing, trying to hide paperwork that needed faxed. They had me fax the same document 10-20 times in an effort to discourage me from wanting to continue with the circus process of getting a modification. I have a good job and there was no reason for them not to modify my mortgage.

Now, I am watching them get what is due to them back and I pray and trust that someday, a better mortgage company will buy as many home loans from BOA and take every customer they have, and put them out of business. Their foreclosure practices are unethical. I got no notice in the mail and it was from reading online that my house was in foreclosure because I was searching my address for the property value and stumbled on the Public Notice on the internet. I would like to draft a petition that would put them out of business. In 3-4 years, I plan to buy another home, but it will not be financed through BOA.

They prey on the low/middle class people that have FHA loans. I wish the FHA would investigate what they are doing to steal people’s homes and get paid the original price for these homes. FHA loans are paid for by the government and I am amazed how they are still in business after a bail out. BOA Customer Relationship Managers are less than qualified to assist anyone with mortgage needs. Most did not know what I was talking about, and each time I called, my loan mod request was in a new status; however, to learn it was another mislead, false hope promise with a dead end to nowhere. They would not modify the loan for me because it was an FHA loan, but they foreclosed getting the full price from FHA, and then put it on the market for more than 60% less of what I paid for it, which was my modification in the long run.

BOA does not care about anything except making money in any way they can. I read the news everyday with hopes that a good mortgage lender will take on the challenge to modify their existing loans and finance people’s homes that will put BOA out of business. And as I read daily, they are getting back what they deserve. They have lied, cheated and took good people’s homes. It's coming back to them and at a higher price than any of us could afford, "payback". They deserve everything they are getting. BOA, I wish you nothing but "bad luck"!

Over the Christmas weekend, we got a letter from our homeowner’s insurance company. Can you believe they requested the payee to be changed on the wrong house?! The reps' emails say to contact her boss, the VP of some division, but he is no help. He never answers his phone and he sends emails saying the original rep will assist us tomorrow. But she doesn't seem to have a clue. As I'm writing this, our accountant called to tell us the loan specialist had just called looking for documentation of self-employment from 1991. Needless to say, the self-employment clearly shows 2010 on the application. Not to mention the CPA's letter also states 2010! Last word today is we will be closing next Thursday. But I am not very hopeful. We had our contractor start work last week in anticipation of closing on the 21st. If this whole thing ends up not happening, we clearly will need to sue for damages.

BOA will most certainly make a lot of people lose their homes, and they are determined to do absolutely nothing to assist, especially if the consumer wants to keep their home. If you don't pay your mortgage in time, you ruin your credit. But if you pay your mortgage on time, then they don't believe you need help (BOA employee told me that **). What? Bank of America should be disgusted to consider themselves a corporation to help consumers, while their CEOs receive bonuses, consumers lose their homes - awful. I am stuck in this nightmare of a loop of ignorant, unprofessional, and lazy individuals who are more interested in telling you what time of day they “won't” be in the office for their lunch than to help consumers. Disgusting. Shame on you BOA.

Bank of America never called me back with a response to the modification; I had to call them. It turned out that they told me that I was not qualified for the loan modification, and they never gave me any reason. How can this make any sense? Now, we get a nagging person who was hired by Bank of America that comes to our door, just to see if we are still living in the home. I am 90 percent disabled by the Veterans Administration - where am I going to go?

What happened to Bank of America? I asked that very question today of the manager of your branch. Her answer was she was getting out after 35 years, and will run from Bank of America with arms flailing in the air. Isolated case? No, your employees freely discuss behind the scenes practices. One of your so-called Office of the CEO and President associates said, "I told my husband that we could seek a loan modification but not at Bank of America, not with everything I've seen go on here." Many of your former employees volunteer to speak about the questionable practices at Bank of America. Are these people all whistle blowers or are they just tired of carrying any longer what they consider to be a burden of deceit? That's a heavy burden and not one expected of great institutions.

Your mortgage loan experts in California gave me one option only when I sought help in 2007: Stop paying your loan in order to receive assistance! I asked to repeat and he said, "Mr. and Mrs. **, we can't help you until you're in default." Shame on you for promoting such deceit and shame on you for accusing me of lying when I brought this fraudulent activity to your attention. Thus, with your instructions began an interminable nightmare of abuse at the hands of a former great bank. Your associates have lied to me. Your associates have called me a liar. They have encouraged me to sue Bank of America if I didn't like its policies.

They have called me day and night (at home and at work). They ignored its own promise of cease and desist of harassing phone calls yet continued to make them months and months following the commitment. They failed to move forward a completed and approved Keep Your Home California application allowing it to set on someone’s desk until after it expired and then accusing me of trying to double-dip. They have falsely announced in person to my neighbors that my house was in imminent foreclosure proceedings. They have promised me financial compensation for all the damages caused by the bank only to be silenced the very day before a call (arranged by Bank of America) designed to move the settlement forward, and so on, and on.

Is someone at Bank of America actually training its employees to execute these policies? When should I expect you to peel back the layers and discover the truth about the harm you've caused, and accept responsibility for your actions as promised! Confidence never comes from knowing all the answers but from being open to all the questions. This will get done and the key is to get things right for the consumer. Do you recognize these words, Mr. **? These are your words spoken recently in a TV interview reading from a teleprompter! Or maybe you know the old Irish proverb, "Two shorten the road"? I've never had a two-way conversation with Bank of America, only fingers pointed in my face while scolding me for wasting your time. An associate of yours recently said, "Do you know that every time you write a letter to Bank of America, we have to stop and answer it?" What a terrible imposition. Be an imposition! Write letters!

We have been working on a loan mod since 2010. We have been asked to send in paperwork over and over again. Every time we go home, there is another FedEx package on the door requesting more information. When we call to ask questions, we are being told that it's being reviewed. I would like to know what our rights are, and where is all that help they say is out there? I would love to find a lawyer who is ready, willing, and able to go after our rights for us. We have asked for help, but no one seems to care. The banks just want to foreclose on these homes because they are not helping customers who are trying to save their homes. What happened to all that money for the bailouts the banks got? Where is the help?

Bank of America did whatever they could possibly do to drag on this process as long as they wanted to so that they can use this technicality and deny our modification. They had no intention in helping us. BOA is the worst bank ever, and they do not care about their consumers. I have come to find out that it's a BoA common practice in order to avoid any modifications. They are not only wasting the customers' time and efforts, but they are also deceiving and misleading them. We are not talking about one or two unhappy customers; there are thousands of them. I believe that BoA is dishonest and they should be audited by the government on their accounting practices on this matter since BoA got our bailout money and agreed to participate on the government's home affordable program to help people who are eligible to modify their home mortgages.

We were denied because Bank of America has decided that our "hardship" is over and we no longer need assistance. We can only hope that officials at Bank of America have similar issues and that judgment for them after almost 2 years is a denial as well. Shame on them! I will follow this through to the highest extent I am able to. They cannot keep doing this to the people who really need help!

I can't say enough about the absolute hate I have for BoA!! Our story is the same as most I've read: a different story each time you call. This loan mod has supposedly been in underwriting for months now. Then we heard that all loan mods were put on hold because of Hurricane Sandy - they’re joking, right? Next was that the application had "termed" and this happened back in Sept. but no one told us each week we called! Apparently, the case manager’s boss goofed up and put it in a short sale process and when paperwork for that wasn't completed, it just poof "termed." We were told to refax.

I called the same day. We were told the fax was received but magically the next day, papers aren't there. We refaxed, and now they have them but oops, they forgot to ask for bank statements. Lying idiots. This is the last item of information they will get. All along, we've been told by the case mgr that she swears she will have an answer by a specific date. No deal. Never happened.

I feel so badly for my sister. She has so much to deal with, raising two little ones and trying to grieve for her spouse. And then to have these morons holding you hostage, it's absurd. She will walk away from the house, and let it freeze in the winter if necessary. You would think that they would rather have a family in the home, maintaining it than have it sitting empty. She owes slightly less than it's worth so she could sell. The BoA case mgr just told her it wouldn't go to foreclosure till next yr but who can believe anything they say? Bumbling Creeps! It's December so it's been 6 months of this garbage and we aren't one step further than we were in June. Pathetic, unethical way to conduct business.

I have stayed in constant correspondence with BofA; however, I received no consistent information from anyone within the company. As treasurer of my Condo Association, I have advised all unit owners to cease paying their mortgages which will drive over $10,000,000 of mortgages into default simply because of the fact BofA cannot hire folks adequate to pass a State of Georgia reading comp exam. The FHA govt. advocates have been helpful; however, they say there is no legal requirement to force the bank to comply with the program. I would advise you to use the FHA HOPE line at 888-995-HOPE or www.makinghomeaffordable.gov.

Stay diligent on them and keep good records. I have some hope remaining but will not put another cent of resources into the place. Ultimately, some small concessions put forward by Bank of America on my residence will assist in mitigation of loss to the lender, taxpayers in the FHA pool and mortgage market. That's the whole point. If BofA is serious, they will cooperate. If they do not, I will use my position of influence on the Board of Directors and advise folks within the condo community to default, live here as long as possible, and then abandon. Time will tell and BofA has been advised of this.

Ok, now I was like, “They're here to collect it, so they'll know exactly what they need.” Not! It was still the same process - I was missing something or something expired. At that point we're like, "We'll pay y'all half of what we owed for defaulted payments, plus we would pay our monthly mortgage." BofA did not want it. They would not take any of our money. It's been a long, stressing, depressing process - after re-faxing paperwork after paperwork, only to be told I was missing something or now something has expired. I went through this same thing for 2yrs and four months only for them to foreclose on us. :-(

For well over a year, they have been ruining our credit by not reporting our payments to the credit bureau. During the whole process, they never asked us for any new paperwork, statements or anything. Our statements don't even show the new loan amount. It is even higher. Then on top of all this, they sent us a tax statement for our income taxes that showed only half of what we could claim so we got shorted on our tax refund. All I want is to stay in our house, our mortgage fixed, and our credit corrected. Any help would be grateful. I'm getting really tired of BOA and just want away from them.

Today, December 8, 2012, neither tax bill is paid. I called BOA, only to have Stephanie pressuring me to give her a payment. Then when I told her they would receive it by the 16th and repeatedly reminded her that we have never been late with a payment, she failed to try to help me with the escrow/tax issue or guide me in the right direction. The government should not have bailed BOA out. As a taxpayer, I expect better customer service from a company who is still in business, thanks to taxpayers such as myself. Huge fail BOA! As of today, the situation is still not resolved. If taxes are not paid by December 20, 2012, I will hire an attorney!

I know that there are supposed to be incentives with President Obama's homeowner assistance program, but you would never know it by dealing with Bank of America. Also, I started an account with BOA when I started my home loan. The lure was that there would be no fees with an "advantage account." My account began in 2007. I recently discovered that in 2010, the bank somehow lost the link to my mortgage and began charging me fees of $25.00 a month for two years on my checking and $5.00 a month on my savings. I am a very busy person and had not discovered these fees until recently. It has been very disturbing to have an institution that I trusted to tell me that I was responsible to make sure they did not charge me fees when the entire reason I opened an account was that they assured me that I would have no fees.

I am enrolled in the "keep the change" program, where you use your debit card and they match the change left up to a dollar on purchases. Well, they are using my money they take out of my account to pay me the money they said they would "match!" So, they are really keeping more than the change and it is a fight to get one's money returned. I got some refunded, but I am owed over $420.00! So to add insult to injury, not only are they giving me the runaround on my home loan modification, they are keeping more than the change! I am not sure if I want to remain with this institution which sees customers as deep pockets and numbers rather than people struggling to stay afloat in a tough economy!

Banks and car institutions got bailouts. What about the people who help run this country with our little tax money taken for just about everything!? Frustrated homeowner, frustrated account holder in New Mexico!

But like I said, after six months and countless excuses from BofA, enough is enough. The second lady rep even told me that she thought the review board might reject us because we weren't late with any payments and she didn't see any hardship. I explained to her that we always made our house payment first and then struggled the rest of the month with our other bills and just simply wanted a lower house payment to help out. She said she understood what I was saying but still didn't see a hardship. I felt like I was talking to a first grader.

I was told by BOA to contact HUD and speak to a housing counselor. I did this as well. I spent three hours going through all of our finances with a very nice housing counselor. She advised me that the best thing for us was to let our home go into foreclosure. I was shocked that the government was suggesting that we walk away from our home. Wow! I wasn't interested and hoped I would regain employment before our reserves were completely tapped out. Well, fast forward to October 2012. We are almost out of reserves and can't make our house payment much longer. My husband and I decided not to make our October payment and see what happens. Within 3 days of the due date, we were getting emails asking us to contact BOA.

On 10/18/12, I spoke to BOA regarding our non-payment status. I explained our situation and now since we have not made a payment, we do qualify for a modification based on the same info I gave them back in June of 2012. The only difference is that we are no longer in good standing. I was told that I would be receiving a FedEx package with instructions and applications, etc. to apply for this modification. On 10/21/12, I was contacted my Kimberly **, my representative that has been assigned to my file. She went through the process and gave me a list of items that I should start gathering so once that FedEx package comes in, I'll be ready to hit the ground running. Since I am unemployed, I have time to gather this laundry list of documents. I was warned that the documents and figures need to be exactly correct or they would reject our information and return the items to me. I asked if she would email or mail me out a list of items that she needed me to send. She said they didn't have that ability. So, I am expected to take verbal instructions of what is needed and make sure I supply everything correctly. She said she'd follow up with me in a few days to see if I had the packet from BOA yet.

On 10/25/12, I was contacted by Kimberly, my BOA rep, checking to see if I had the package yet. I had not received anything. She told me to gather the info she talked to me about, print out an application online, print out a 4506T form, and fax it to her. She said sometimes they won't send out a packet. What? I have nothing in writing and I am being warned that this needs to be done correctly or it will be sent back and or reject my request for a modification. What company does not provide written instructions on this process? I told her I would be more comfortable if I received the package to ensure I did everything correctly. She then said, "So you are refusing to fax me the information?" I said, “No. Are you refusing to send me the package I was told I would be receiving?” She told me that the package did not come from her department so it was out of her control. She then told me that my clock was ticking and I only had a short time to get these docs to her or they could cancel my mod. I had to go off a list she verbally told me I needed, and would not provide anything in writing or they'd cancel my request. I was also told to be sure that everything was correct and complete or would be rejected. I was told to fax these 170 pages at the local BOA mortgage branch as there are no BOA banks here in MN.

They were nice and did allow me to fax from the office. Once everything was faxed and confirmed that they went through, I contacted Kimberly, my BOA rep, letting her know that the docs had been faxed. She said she'd contact me on Monday and would go through them with me and let me know if there was anything else she needed. I faxed her all the docs she requested on 11/1. Well on 11/6, I received my FedEx package. It was dated 11/5/12 and had Kimberly's name on it. So I called letting her know it came in and if she wanted me to fedex everything to her that I faxed already. She said no and that I should hold onto the envelope in case I needed it in the future. She also wanted to go through the fax I sent but was having computer issues and could not open my file. She would follow up in a few days after the file got out of underwriting.

On 11/15, I received a VM message from Kimberly of BOA. I didn't get the VM until after Kimberly's hours of operation so I returned her call 11/16 in the morning. She told me that the fax was not complete and that I was missing many documents. She also told me that my utility bill did not have my address on it, which it clearly does as I had it in front of me in my pile. She also told me that my 1040's were not signed, which they also were as I had them in the pile to reference during my call. I told her that both of these docs were correct and were submitted exactly as she requested. She argued that they weren't correct and told me that she also needed written verifications of employment from my husband’s employer and my part time employer that I've been working for the last 7 years. I asked if that request was from the underwriter and new, or if it is a standard request. She stated it was standard. I asked why I was just hearing about it now and not a month ago with all the other things she was verbally asking for. This is why I wanted a checklist! She didn't have an answer for me.

I also needed to submit new paychecks, new bank statements, new unemployment checks, new utility bills, and new figures on the application because it is a new month. I essentially had to recreate the wheel as they didn't get my docs last month. I faxed all the docs to her again on 11/19/12. I also fedex'ed her the docs so they better get them this time. I did follow up with Kimberly from BOA yesterday afternoon and she stated she received my documents. Hopefully the print out application that she told me to obtain online would be acceptable for the Underwriter. What? She told me to obtain it online. The only difference between the two documents is that the second page had two spots for a lien holder. Since we have a first and a second, I used both lines. We are currently up to date on our mortgage and hope we will still qualify for the modification. I am still unemployed and we don't qualify for the modification. We will walk away from our home, save up money that we would be spending on our mortgage, rent for 3 years, and have over $20K to put down on a home in the future.

Our current interest rate is 5.875%. Our mortgage payment is $2,200 per month. If our rate was to go down to 3%-4%, we could save close to $500 per month and could afford to stay in our home. We are upside down about 100K on our home. I can tell you I will ride the time in my home as long as I can if they don't modify us. BOA, don't be greedy. Lower our interest rate from 5.875% to 3.5%. We would be able to afford to stay in our home, and you will still make money on us. Back in October, I also asked what that the chances were that they would sell our loan during the modification process. She said it sometimes happens but she can't say for sure if it will happen or not. Well, today, I received a notice that our loan has been, you guessed it, sold to Seterus Inc. Now what? What happens to all the paperwork I already sent to BOA regarding the modification? I almost feel like this was a sabotage. Do all this, send us that, and now what? We have a new loan servicer as of 12/1/12!

She didn't email me back, so the next day, I resent the email. She didn't call me back or email me. Two days later, she emailed me and said that her “computer wasn't working” and that I could call anyone else and talk with them (?). On her email signature, her supervisor's name and contact information was provided, so I called him hoping to pick up where Lee left me. He didn't answer, so I left a message. He never returned my phone call. So, on November 15, I called BofA again, and they told me that I had to work with the loan officer who had started the process. I told her that Lee wouldn't call me back or contact me, nor would her boss. They said to leave a message, which I did. I never got a response.

On November 16, I called BofA again and spoke to someone in Customer Service - Ann - who then said she instant messaged Lee, and Lee told her she would call me back as soon as her current call ended. She “promised”. That was at 3:45 PM CST. At 6:45 PM CST, I called BofA since Lee nor Ann called me back. This time I get Jeff in in the Chandler, AZ office (same office as Lee and her supervisor Ryan). He was ”really sorry” that they never called me back; and he suggested that maybe since BofA has issued a moratorium on FHA streamline mortgages, Lee didn't call me back since my current mortgage is an FHA streamline, which is all weird since I explained from day one I was interested in a conventional mortgage.

Anyway, he emailed me, and I emailed him back asking him for information about 15-year vs. 30-year - all normal questions. But then he started becoming unavailable. Yesterday, we arranged via email for him to call and speak to my husband and I, and he didn't. I called him - no answer. I emailed him, and he promptly replied saying he'd call in 30 minutes. Last night, we waited around until 9:00 PM CST for him to email us or call like he said he would. He did neither. This afternoon, November 21, I called BofA to formally complain. I called the Office of the CFO and spoke with June. She assured me she would look into this. She asked that I send her my correspondences with Jeff and Lee. I did, and she has not contacted me further.

I tell you what. I went out of my way to try and do business with Bank of America. They obviously do not care about my business and do not need my business. However, I have had several calls and emails from other lenders who do want my business. I will pay extra for better service. I'm mad, frankly. Not sure I want to keep my checking account with this bank anymore, either. If they don't care, why should I?

Somewhere about this time, REDC entered the picture; I don't remember if this was before or after the botched short sale. But I remember thinking that certainly this would improve things if they were hiring a subcontractor to help with processes that BOA couldn't handle itself. And at first, this seemed to be the case. But as we progressed along, it became clear that REDC and BOA were not communicating well - I'd get conflicting information from the two companies at the same time.

In another short sale offer earlier this fall, I found out that we had been kicked out of the short sale process. I was told that we were no longer eligible for a short sale and that my only options were now Deed in Lieu or Foreclosure. So I was handed over to REDC to start the Deed in Lieu process. In the meantime, my realtor, talking with his contact at BOA (through Equator), was told that I was still eligible for a short sale. Calling back, I was now told that this was indeed the case - that there were two short sale options and that one was still open to me. So, I was passed back to REDC (I believe) to cancel the DIL process so we could move forward with the short sale. I was told it would be another 5-7 days before this would show up in the Equator system though. The next week, it still would not let my realtor in, and we lost that short sale offer at that time.

Another offer came; it’s almost immediately - a better offer even - and in cash. I called BOA and they shuffled me off to REDC. But they did tell me now that I had a foreclosure date of Dec. 11 set. I called REDC and started the process to cancel the DIL again. And again I was told that we would have to wait 5-7 days before my realtor would be able to access Equator. But they added that we didn't have a foreclosure date set yet, which was good (!).

As of last Friday (5 days), he was not able to enter Equator - it still showed as being in the DIL process. We waited until Monday of this week - still no change. I called REDC today, and they told me that it still showed as DIL. I told them that I had cancelled this - twice - already. The representative I talked to told me he would submit an express request to cancel. I asked him if talking to BOA would help, and he thought it would. So I called BOA and found that yes, the DIL was still in place, having never been cancelled. They tried to pass me back to REDC, but I told them I had just talked to REDC. So I was told that there was nothing else that could be done right now, but that I should call in Friday and see if the status had been updated. Apparently, BOA can't even cancel the DIL process without being told to do so by REDC? And the lag in such communications is killing us.

If Equator is not opened up for my realtor to enter the short sale information by Friday, I'm afraid we will lose this offer too. And now with a foreclosure date of Dec. 11 set, I am dubious that the short sale process can be worked out in time. But I fully expect that when I call on Friday nothing will have changed, and I will be passed back to REDC again.

I have to say that all the reps I have talked to, especially in the past few months, have been extremely courteous, sympathetic, and helpful within the constraints they are allowed to function. But it is not clear that they understand the system or are too tightly constrained by the system to actually be able to help customers, which leaves the bitter taste that BOA as a whole could care less about working with customers to find a satisfactory outcome.

It is my position that my loan application has never once been sent to underwriting and Mr. ** has been the sole custodian of my loan modification application. He has generated all of the correspondence regarding missing documents and fake submissions to underwriting and subsequent denials as part of his employment KPI. No? Prove me wrong. On 10/12/12, call log #61, the application was in underwriting and a decision would be available in 3-5 business days. On 11/12/12, after 6 months and 64 calls from me to Clinton ** and others in your bank, I have no response from underwriting on my application and have now received a new application blank from Clinton **. Is this a joke?

Please allow me to put things into proper perspective. As of today, I owe Bank of America a total of $922,899. When an institution like yours invites me to be delinquent on my debt and yes, Clinton ** did do that on 8/29/12, I interpret that as an invitation to default on all of the debt. So even though the loan modification I have requested is for my home loan in the amount of $ 658,729 at 6.5%, if I am delinquent, then I would rather not pay anything. Zero. In that event, there would be no need for any loan modification. Is that what your bank is suggesting I do?

As an FYI, I currently hold mortgage loans on 6 pieces of real estate. Two loans are with Bank of America, one is my home (subject of this complaint) and the second is an investment property in Las Vegas on which the loan balance is $158,404. The other 4 real estate loans are financed as follows: one by Citibank and one each by Chase, Seterus and Central Mortgage. After the 5 big banks, including Bank of America, lost the lawsuit to the attorney general in February this year (yes, I know about that too and so does everyone else), all four of the banks named above voluntarily approached me and offered to modify the investment loans on my underwater properties starting in late May 2012.

In each case, the process was simple, took about 30 minutes on the phone and similar documentation as submitted to Bank of America. Amazingly, all the other banks asked for additional documents. However, unlike Bank of America, they were able to name the documents that were missing. Only Bank of America can identify missing documents and deny an application on that basis, but cannot tell me which documents were missing. Does this sound normal? No 68 calls and no denials. Three of these modifications have already closed. The longest took 4 months, the shortest 45 days. Bank of America is the only financial institution that has not offered to refinance my underwater investment property. In my humble opinion, the bank may be in violation of its settlement with the attorney general of the United Sates.

And in over 6 months, Bank of America has been unable to process a loan modification application for my home loan; repeatedly denying it because the application is incomplete, without once specifying what part of the application was incomplete. If you look at my call log with Bank of America, nothing in it resembles a bona fide loan process. It seems as if Bank of America employees are acting in a never-ending drama of their own. When one act ends, another one starts. In my case, the first act ended when Clinton ** verbally started asking for documents. To me that was a message, "We have your application and we are making money on this loan, lots of money, so we do not have any intentions of modifying it." Then the bank proceeded to prove its point.

The second act ended with the first loan denial, 6/21/12. The third act ended with the second loan denial on 7/12/12 and so on. What act are we in now? What is right with this picture? Perhaps you can ask yourself and your legal department. If you ask me, not a single thing. I have exhausted all of my savings and have borrowed from friends and relatives to stay current on my loan with Bank of America. I have no more funds left to satisfy your greed and play your games. The mortgage rate you are charging me is 6.5%, when the current rate is around 3.0%. In 2007, the VP at Bank of America had assured me that it was safe to take that loan because he would immediately refinance it when the rates went down. Since then, I have applied to your bank twice and have been denied the refinancing because the property is now underwater.

If you are just after hurting my credit, then be prepared to write off $922,899.00. Or you can do what is right and what your settlement with the government and the attorney general calls for and simply modify my loan. I know this is a tall order and you may have to search for people that are actually capable of processing a real loan application in your bank, but in the interest of your $922,899, you may want to give a better try than the drama you have been playing so far. I want your bank to stop playing games at my cost. Sending me a new application without telling me how you disposed of the current application is a game. You may not think so because it is your game. But to all impartial parties, this is a game. Unfortunately, playing games like this is not the charter of your bank. Can you imagine how you would sound defending this type of a loan process in court in a jury trial? And yes it could get there.

I look forward to hearing from you without going to court. Just in case you decide not to do anything, I am in the process of preparing my complaints regarding Bank of America to the Office of the President of the United States, officers of Bank of America and these will be mailed to their respective home addresses of Mr. Brandon **, Ms. Barbara **, Mr. Neil **, Mr. Charles ** and Mr. Edward **. I am also writing to the OCC, Attorney General of California, Attorney General of USA, BBB and the media and supplying them with this complaint and my call log. Additionally, I will be posting this entire complaint with my detailed call log on various websites on the internet for all to learn from. This will ensure that your every good act will get the recognition that you seek.

In addition to numerous requests to submit the same financial documents all over again because supposedly faxes didn't go through, the loan officer has changed, etc. This one is the best - BofA is asking me to provide a letter stating that my previous employer and my current employer are the same company. I couldn't believe my eyes when I read this request. So, now, after all that nonsense we'd been denied the loan. At the very beginning, the loan officer assured us that in case the loan (refinance) is denied, appraisal fee gets refunded - so, I have been trying for a month by now to find out the status of the refund. The loan officer refers us to the loan processor who never answers her phone nor returns the voice mail nor responds to the emails. Overall experience in this is total frustration and disappointment by unprofessionalism, inefficiency and lack of respect for the customer whatsoever. I want to erase BofA from my memory.

Back in Sept 2011, I had originally pre-qualified for a mortgage assistance/reduction payment plan. I filled out/signed/sent over all necessary docs that were required on my behalf. I was fully approved for final documentation all sent and received Oct. 1, 2011. On Oct 4, 2011 10:31 a.m., I received a phone call from my loan manager working on my payment assistance program quoting "Congratulations Ryan, you’re fully approved with the final steps in our program. Now just keep an eye on your mail for your new payment to arrive shortly."

This was not my first attempt to contact my loan manager Tracy ** but over a dozen. Supposedly a few days after this phone call, Tracy ** was no longer my loan officer and Kiesha ** took over. I finally received a response back, but she said she wasn't able to locate my file. I had the call personally recorded on a voice recorder for Oct 4, 2011 from Tracy ** stating my approval as well as all my documentation that was requested on B of A's behalf.

Anyhow the main reason for this message was to obviously stay in my home. I qualified for this program almost a year ago having met all of their stipulations, one of the biggest ones being that I was under 12 mos. behind, which now is a different scenario. I have looked into legal action for this case, which I have a very good standing in; however, aside from pursuing legal action, I would just like what Bank of America promised me & get my new loan mod and new payment of where we left off.

I started to receive harassing phone calls from BOA while I was getting treatment in the Fisher House. I kept telling them the story over and over again. I was told I was missing two payments. PenFed did the research, which took two months, and told me that they had made the requested payments and Bank of America had cancelled my direct deposit and had also, in the process, ruined my credit. I honestly thought if I notified the bank of its error, they would fix the problem and correct the error.

The military was scheduled to forward my house; my children and I was scheduled to be released and move back to my house for school and treatment. We found ourselves homeless. I contacted the VA, HUD, anyone who could help a military without success. My life started to crumble. I couldn't move home because I wasn't sure I would have a home to go to and couldn't rent because my credit was now ruined. I was calling on a daily basis. I became depressed. What am I to do with my children schooling, household goods, and my treatment? I couldn't believe what was happening. Finally, BOA called and acknowledged the error and told me they would be willing to do a modification.

I wanted a letter to acknowledge the error so we could get a place to rent. I’m still waiting. I was deployed five times in support of Bank of America to steal money from the helpless. Their leadership should be sent to Iraq and Afghanistan to understand what hardship means. I shouldn’t have to come home and be fighting a war when I hadn't missed a payment or hadn’t been late. Where is the integrity in our system? Bank of America, I did not choose you; you chose me when you acquired Countrywide. I, however, trusted you to protect my money and my home while I was deployed to protect my country. I sacrifice so much for my country, only to add my children, welfare, and emotional health to sacrifice. Please don't try to make money trying to say you are supporting vets if you have checked your data to see, to check, how many you have left homeless. Thanks for nothing.

I wrote and sent two letters with a timeline of the transactions. Every time I call, they tell me to schedule a phone appointment with my account manager who is in another time zone. I have yet to speak with her, so I escalated it upper management. They say they will call you with 24 hours from the escalation - no call. I called back their 3rd party debt collector helpers and he told me he couldn't do anything, because it has already been escalated. Are you kidding me?

I have not been late with my mortgage payments since I've caught up on the foreclosure. But they keep sending me notices that I'm past due, and what about that fee of $1692.04 that they sent me after the September fiasco? I'm tearing my hair trying to get someone to help me end this, but my credit is all ** up so that no one will give me a loan so I'm stuck.

My credit continued to suffer and I continued to live in fear of my home being taken away from me. On October 16th, 2012, my loan was transferred to Bayview Loan Servicing. I called Bank of America to request the status of resolving my problem and they told me it was no longer their problem. They told me that a note on my account from December 2011 indicated that the loan modification documents were eligible but nothing was ever done about it. I need help!

After two months, we received the check and her name was on it. So, we called and asked them to send the check made out correctly, and we were told that they didn't have the proper documentation. We sent all the above documents again and were told they would overnight the check in 24 hours. Two weeks later, we were unable to get a hold of a representative at all and we did not have a check. We have called, emailed, and faxed repeatedly trying to get a hold of someone. This weekend, we got two letters in the mail from Bank of America stating, "We have been trying to contact you but are unable to do so. If we don't hear from you within 10 business days, we will consider the matter to be closed."

They have not tried to contact us. They have our money, and we cannot get through their phone system. How can they just keep someone else's money for months on end? What recourse do we have if they don't send it? Is there any sort of government oversight?

We objected to the handling of our application and requested our $417 back, since they guarantee a quick closing and say they will work with you in various ways to facilitate the approval (they did nothing but send it to the underwriters to reject). The complaint to Bank of America was reviewed and naturally, they said no refund based on our poor expense to income ratio (which I had already, on two separate occasions, told them I thought would be a problem). Obviously the "mortgage counselors" aren't trained to know anything about what it takes to get final approval. Our application was marginal from the beginning. I knew it but because they seemed to not be bothered with my concern. We continued.

I would advise avoiding having any dealings with Bank of America and I regret that Merrill Lynch is no longer the reputable company we got our first mortgage from. Very frustrated and angry with how this was handled. I spent hours gathering data to support our application, which was doomed from the beginning. Stay away from this financial institution!

So I called back in and got the supervisor of the rep I was talking to and he sent an email over to the VP, the other 2 people for me to get a call back. I got a call back the same day. I was asked what is it that I want and why do I keep calling. There is no information to tell me. Then later in the conversation, he had the nerve to laugh at me and tell me there has been a decision made on my modification, but he isn't obligated to tell me anything and I'll get a letter in the mail, so just be patient and wait on the letter. A week later, I got the letter. A denial letter, of course. I called and got my CSRM right away and asked, "Is there anything else I can do? I want to keep my home, losing it is not an option that we want." He said, :No, there is nothing else you can do. You can reinstate your loan, which is to get current with your loan.” I said, "If I had that kind of money, I wouldn't be in this situation." Then I could do a short sale or a deed in lieu, which the other two are giving up my home. I asked him to please check and see what else can be done and other problems.

What do I get now? More laughter and he told me, “No, there is nothing else here for you. Those are your only options and have a great day.” I asked to speak to his supervisor, he refused to transfer me or anything. I called back and called her directly, I had her information. Well to my surprise, I keep leaving her messages. Then she finally called me and said, "You have question about your account?" I said, "Yes, I actually have an issue." I explained all the details of going months with no calls returned, appointments scheduled and no calls during those times as well. She apologized and said she'll talk to him but unfortunately, he is correct and those are my only options. Only he shouldn't have told me that without my attorney there, that is something for my attorney to discuss with me and not him. I said I feel I was being discriminated against the way he has personally treated me. She said, "I doubt you have been discriminated against but I will talk to him about not calling you back."

Just some advice - don't send them a copy of your deed of trust or your note. They need both of these to do a foreclosure on your home. My account was first with Countrywide and then sold to them. The biggest mistake ever. I never had any issues with anything while I was with Countrywide. When they were gotten by BOA, our payments keep getting higher and higher. Worst customer service ever!

I returned on Monday and the bank employee called a special hotline they can reach from the bank and was told that they would do a reversal. Now I know nothing is that easy and they sent me on a mission to prove that yeah, we did take her money and yeah from the account we see in front of us. I did what they asked, took it back to the bank and they faxed the information to the special agents who work the hotline. I was told that it would be back in my account in not more than 4 days. I trusted what they said. By Thursday, I did not see the money in my account and called BOA's 1-800 number and was first told they did not get a fax. But when I told them it was faxed from their bank by their employee, I was placed on hold.

When they returned to the phone, they connected me to another department (the special agents that work with reversals). I was told now that they have the fax but it was not processed. He would do it now and put a rush on it. Well it's Saturday, my account is several hundred dollars negative and when I called the bank, they gave me an 800 number. I did talk to someone to explain I needed the money BOA took from me to pay other bills that are now late. I was told, "That department is not open now and there is nothing I can do to get it to you sooner." I was told it might show up in my account on Monday and I may be able to get reimbursed for my overdraft fees if I file a claim after I get my money back.

I feel helpless in their financial mayhem of mistakes. A bank is as a bank does. The problem is not that they made a mistake; it's how they choose to fix it. I don't know how long it's going to take me to get out of this web but I'm sure they could care less. This bank gets one star because there is no lower rating. They open their bank doors and have a weekend recording that tells you thanks for calling but we can't help you.

We heard about the NACA help. BoA was there and saying it wasn't true that they didn't want to help people. So, my husband spent 12 hours there, and they said that we didn't need to make payments for the next three months. They didn't agree to modify our loan, change our rate, or anything - just a wait and see. Then, they would review our loan again in 3 months to see if we qualified for a modification. They sent a letter dated 10-08-2012 that said that it needed to be received back 5 days from when it was dated, but they sent it via regular mail. It did not arrive to our home till after the expiration of the agreement (which happened to coincide with the time that they were selling our loan).

We called BoA and they said too bad, so sad. Now, we are waiting for a response from the modification agreement that we had to send late (BoA's fault, not ours), can't make a payment (they told us not to make it for October and no longer own our loan), and will be considered unable to qualify for refinance because of our 1st late payment that no one would take. If Bank of America spent time returning the many phone calls to us, over the summer, before they wanted to sell our loan, we might have been able to get through the process and possibly qualify. If we are paying our loan and have jobs, isn't that what the Making Home Affordable Program is about? Just changing our interest rate would save us hundreds of dollars per month, but they don't care.

Both my husband and I have worked all of our adult lives consecutively and made at that time what was considered a nice income for a middle income family. As most, we lived paycheck to paycheck but our bills were always paid and current. I was laid off from my job in August 2010. I had collected unemployment benefits while I continued my search for new employment.

Then in January of 2011 my husband was laid off from his job of 27 years with the same employer. He also collected unemployment while searching for a new job. In order to keep paying our bills in a timely manner, we needed to withdraw monies from my husband's 401K plan. The well went dry and the struggle really began. I called BOA and explained our current situation in August 2011 and they advised that they would send out all the necessary application papers required for a home loan modification. I did receive the application in a timely manner and gathered all of the information they requested and sent back to them in 2 days. I received a letter that they received the info and I was assigned a representative to work with through the process.

After numerous attempts in trying to reach out to my representative (never once received a return call), I received another letter informing me of a new representative that was handling our application. Once again my phone calls and messages went unanswered. I finally received a phone call from a 3rd person informing me that he was now assigned to my account and had to resend all of the information again. This person was kind enough and seemed more diligent and I was happy to feel at least now we were making some progress. I can't tell you how many times duplicate information had to be sent because they claimed it was never received or outdated. I began actually going to the nearest BOA branch and had them fax the information for me, free of charge since it was always 23-27 pages of paperwork each time it had to be sent. I then stopped getting return phone calls and numerous unanswered messages from what I thought was my knight in shining armor.

Then, I received a letter stating that due to the recent change in my status of the account, I was assigned another representative (#4). I immediately called the number listed on the letter and much to my surprise, I actually got to speak with that person on the phone right away. During our conversation, she then proceeded to tell me that she would be helping me during the foreclosure process. What? I asked her what the ** she was talking about and that I had applied for a remodification of our loan months and months ago and never once received any written or verbal correspondence that the application was denied. I told her that all along our intentions was to save our home, not to lose it to foreclosure. She told me that paperwork was sent to reinstate the loan but to this day, I still have not received any notification of our application being denied, foreclosure letters, or reinstatment letters. She informed me that she could not give me the reinstate information over the phone. She was going to have copies sent out. I did receive copies of 2 letters but not of the ones that I just mentioned above. I did somehow get the amount and address from her and having loving and caring in-laws, borrowed the monies needed to reinstate the loan. I have not received any confirmation or return phonecalls to date.

Just to keep you updated, I am still very actively searching for a job. My unemployment benefits ran out in August 2012. My husband did find a job out of his industry in July 2011 and got laid off from that job in December 2011. He then regained employment from the company that he devoted 27 years of his life to and got laid off from. He started back in January 2012 as a driver (not a manager that he was) for about 2/3 of his pay and lost all vacation and personal time. He was started out as a new employee, like the 27 years never happened.

I am still waiting to hear from BOA. I know that my situation is not unique, but, oh my God! We are trying to do the right thing here and I feel that they our trying to sabotage our efforts. BOA representative #3 had also suggested that we contact a government state-run program called "NJ Home Keepers Program", which I immediately did. Made an appointment, met with them with all paperwork requested, was told it was about a 60-90 day process and to date, have no response. I feel like I am in for another nightmare of a ride!

October 5th came and went, and I went in again two weeks ago and was told by the branch manager that the new date to close was October 31st. I was irate by the extremely long process and change of dates, and he told me he would contact those who do the processing and send me an email with the status. The email never came. I went in today 10/24/12 and was given the news that we were no longer eligible for that loan as my husband's credit score had now dropped 10 points and we couldn't get the rate we were eligible for a few months ago. This rate was locked in, in early July, based on our proven eligibility at that time. If they had managed our refinance in an appropriate time frame, this would not have been a problem.

They have not shown me the new score, and we don't have any idea why it would have gone down. We don't have more debt, and we pay all bills in a timely manner. We have refinanced before, and we have never had this happen to us. This has been awful.

My last statement had shown approximately $119,000. I kept calling on the modification and finally I was told in Sept. 2009, I needed to send in another package. Nov. 2009, I was told to send in additional info needed to complete. I was told to call every two weeks until I got my paperwork. March 31 2010, I again received a letter qualifying my mod. Nov. 2010, I received a default notification. As of that date, no mod agreement had been sent.

Feb. 2011, I was sent a turn down notice. I again was told to reapply. At this time and many more to come, I sent emails to the CEO and other heads of BofA about the problem. We again reapplied and on March 27, 2011 was again turned down. I went through more ignorance with BofA and in Aug. 2011 was sent another agreement, which I signed and sent back.

In April 2012, I was sent back a countersigned agreement. Next day, I received a notice that it was in remediation and those letters continued through June 2012. By late August of 2012, I was told my loan had been sold to another lender. The new lender sent me my first statement and it showed I was $3600 behind. From Sept. 2008 until the present, I only missed one payment and that was when my disability from work stopped and SS took over 100%. At the time we were notified, BofA told me they were sending the letter to the correct bureau. They have shown it at $3500 behind when only one payment had been missed. During this process, I was asked repeatedly for proof of flood insurance, which I believe was just a delaying tactic because the flood insurance was shown on every statement as part of my escrow.

I am truly sorry for the length of this story, and in reality, it doesn't cover 10% of what happened. I have all backup documents and I need help.

Again, I re-faxed the same information, and after sending several emails and making lots of phone calls, I finally got a phone number and spoke with 3rd tier. It's amazing that none of these idiots communicate with each other. I was told I needed to provide more information, so I did. Another 10-page fax went out in late September, and this time, I was told they were forwarding it to the final decision makers - Underwriting. As of Oct. 22, I was told the package was approved, but I need to provide two additional items, which I provided that same day, and we would close on Tuesday. Today is Wednesday, the 24th, day 60, and my assumption package is still sitting on the underwriter's desk, and no one can give me a straight answer as to when this will be completed or when I will go to closing. On top of that, I was locked in to do a refinance when the assumption was complete, and it's been so long now I have lost my lock-in interest rate.

Today is October 24, and it's my 60th day of having my assumption package reviewed, over 3 weeks of which have been at the underwriter’s desk. BOA is the world’s worst business I have ever had any dealings with in my entire 50 years of life. I am a retired armed forces veteran and have been treated like a second-class criminal throughout the entire process. I will never do business with Bank of America again, and I will do everything I can so other consumers understand just how messed up your organization is and convince them not to do business with you. You've lost another one, BOA. Keep up the great work, and why not show the other financial institutions what not to do through your fine example?