Bank of America Mortgage Reviews

Finally in February 2012, I got a "congratulations" letter. I'm approved. If I make the three trial payments, they will become my permanent mortgage payments. ($1,310/mo to $1,150/mo). I've been making trial payments for 8 months now, and finally, the terms arrived. I now know how they modified my loan. They decreased my interest rate 5.5% to 4.65% and increased the principal by $9,000. They want a $3,500 contribution fee right now, and they extended the length of my loan by 18 years and 10 months! Yikes! I will be 88 years old.

Since October, I have been given many excuses as to why my modification has not been completed; many requests for a complete package; after 90 days I kept being told that the package was invalid because the materials were out of date, but during the course of the week I've often resubmitted materials that they requested. I was recently asked to submit a new complete package because my materials were out of date, and I called to make sure the materials were received and complete. After going through the package where they pointed out missing materials, only to find that they were actually there; I was asked to submit additional information. During that time, I received a letter stating that my account has been sold to a new provider and that I would be contacted before 10/1/2012. I have called to make a payment every month before, but I was told my account was sold and there was nothing they could do since I was being handled by a new provider.

It was already October 1, and I have not been contacted by the new provider. I had no idea if and when this would happen. On Saturday, 10/29, my wife and I (2 packages) received a notice of intent to foreclose from BOA. I have been calling a lot, but we have no idea what to do, since we have not heard from the new mortgage company and have no idea who to contact. We need help in sorting this out. I was notified that I was part of the DOJ settlement, but no one has been able to explain what that means and BOA would not escalate my calls. In fact, no calls to my workout coordinator's manager have ever been returned. My wife and I personally feel their delays were intentional. Since BOA had all of our tax and earnings information, they intentionally delayed our original request and subsequent requests until they saw our combined earnings increase. They have demographic information regarding our property and we do not feel they have made any reasonable attempts to remedy this situation.

As a result of their delays, my earnings have increased, thus limiting us from qualifying for many of the programs that existed in the early stages of our dilemma. We are very disappointed in the manner in which we have been treated by BOA and their staff. When BOA was experiencing challenges, they looked to the tax payers for assistance and we burdened their struggle. I am not asking for anything special, only a means to remedy my situation and to retain my home. I do not see anything in their response that speaks about this or provides an impression that this is their objective. The note I received from their office stated that they would contact me before the 16th; I have not been contacted by anyone from BOA since I have made this inquiry. We have no idea what to do or what our options are. We have paid our mortgage every month since this happened but did not pay it this month because we had no idea where to send it to.

We also spoke with their Home Retention department and arranged to pay off the last of the arrears over the next four months. Before we could send the first payment, BofA sent us a letter informing us that our loan had been sold to a company named Seterus and BofA could no longer speak with us. This company was supposed to send us a welcome package with an account number in order to make our October 2012 payment by October 16. When I called the telephone number for Seterus, the only way I could speak with someone was to enter my account number, which I do not have.

Today is October 13, and I still have not received any paperwork from Seterus. While I was waiting for this paperwork, I began receiving calls from a company named RDS representing BofA. Of course, they are not available in the evenings, so I have been unable to speak with them. Today, in the mail, I received a letter from BofA telling me my home is in foreclosure and offering to assist me with relocation expenses! I tried to call BofA, and once again, I was told they no longer hold my loan, and therefore cannot speak with me! Is this ridiculous or what? I have the money to bring my loan totally up to date, and I cannot find anyone to speak with about making this payment. I am at a total loss!

As of November 1st, we found out that our home was in foreclosure after we, on numerous occasions, tried to make a payment and were told that they could not receive any payments while the account was being reviewed. When we received the notification of foreclosure, I called and found out that we had a new account manager. She informed me that the account was put into foreclosure because our modification was denied. We had to send in all paperwork again and still no payments were allowed on October 10th. We received a registered letter stating that our home was going to be sold at public auction on October 25th. We called BOA and were informed as usual that our account manager would contact us within 24 hours. After I called both of his managers and leaving messages, we finally received a call from him stating that he was just as shocked as we were. Yeah, right. We now are waiting for him to let us know how much it is going to cost us to get our home out of foreclosure. I would not recommend anyone use BOA. I will also notify FHA, HUD and BBB.

I struggled and started getting child support and could make the full payment, but you had back payments that I couldn't pay. Finally, after a year, someone at BOA sent me the package for the modification. I have sent all the paperwork in many times just to find out that it sat on someone's desk never being sent for review. Then, I got served with foreclosure papers on 09/12, with no notice or anything, and I found out their lawyer had my zip code wrong.

I have notified the HUD, FHA, housing, counselling, the attorney general, and the BBB. I am ready to hire a lawyer now. FHA and HUD have qualified me for a loan modification. They called BOA to ask why they never sent my paperwork through, and why they told me to go past due and then wait to get my divorce finalized. I have had 6 to 7 customer relationship people who never called me back. Bank of America does not know what the ** they are doing.

It has not been 15 months of working with them (after multiple issues: losing our paperwork, things not being seen in a timely manner, etc.), and we were suddenly notified that we are now in foreclosure. They have been accepting our payments, and we have been keeping up with all the paperwork requested. I am at a loss at what more we could have done, and we are devastated that this is happening.

For the last 4 weeks, I kept calling her and there was no response and the appraiser never called. I was so nervous about what happened to all my financial information. I didn't know whether they were the crooks or not. I asked my real estate friend to call her and there was no response either. Finally, I called her boss and she called back three days later and she said she would look into it and the loan officer responded back with email, telling me that the rate has changed to 3.375% interest rate and 1.75 points plus fee (title & escrow fees) of around $1750. I found out that they didn't submit the loan application about 5 weeks later and I was so upset at what they did. They wasted 5 weeks of my time which is so critical to me.

I went back to her office and found out that she carried my financial info everywhere and not in her office. It just made me so scared how they handle the customers' financial information and not to mention that they wasted 5 weeks of my time for nothing. I couldn't believe that they were so unprofessional. They should have told me within a few days if they could honor their promise with the rate initially. Then I could decide what to do with the loan and definitely not 5 weeks later to tell me the rate changed.

On 10/01/12, Bank of America sent me a denial, saying I did not qualify. Now I cannot get anyone to talk to me or return my calls. I feel this was a scam and I should get a refund. Bank of America told me that I never qualified for this modification. This company is a fraud, they took my money and I had to chase them for more than 3 months to try and find out what was going on. Now I have nothing to show for my $3,500.

The institution that I have applied for the reduced rate has tried but Bank of America just will not do their part on releasing this lien. After seeing all the poor, I mean very poor responses from people trying to work with BofA, I am wondering why the US government bailed them out. They cannot run a bank. Does anyone have any ideas how to speed up BofA? I have told numerous people to stay away from this bank because they are terrible with their customer service and their mortgage portion is no better. Seven months now, my mortgage has been paid off but BofA will not release it. If I was one month behind in payments, they would be at my front door wanting to take my home, but now I cannot do anything but wait on them. Terrible banking company and our taxpayers have helped them out. Don't you think that they should at least thank us and have better service?

"I contacted the Bank of America and started mortgage modification paperwork. I sent out the paperwork by FedEx and got a receipt letter from BoA. Then, I followed up with BoA and was told that they need more information. So I sent out the same way all the paperwork that they requested. I followed up again, and now they told me that they haven't received any of my paperwork and I have to do the process again. They sent me the same 3 packets. They left messages and gave me the reference numbers to contact them. I called them back each time, but it was the retrieving center. And each time the reference numbers that they left on my phone were not retrievable."

In short, don't waste your time! Better to spend that time on reducing your debts. It is sad that we live in a world where there are as many heartless people as helpless ones.

In June 2012, I got a letter saying my modification was denied. It did not state a reason, and when I called to find out why it was denied, they could not tell me why. Instead, I was told by my customer relations manager that it was denied in error. They showed that my income to debt ratio was negative when it wasn’t. They had wrong information in there. By the time this was discovered and I was denied, they said I needed to start the whole process over again. I resubmitted my documents to BOA in July 2012. For a month, we kept receiving calls stating we did not turn in documents when we had and they had them in their system. They kept delaying our file because they kept "losing" our documents and finally submitted it for review mid-August.

The end of September, we got a letter stating that our file was denied again. This time their reason was that the amount owed totaled to more than 12 months’ worth of payments. I called them to inquire about how they can say we are 12 months behind when we aren’t. They explained to me that since I was originally 2 months behind and since they have been refusing my payments since June of 2012, that all payments as of May 2012 doubled and each month was considered 2 months instead of 1. Making it to where even though I should be behind 7 months because they didn't let me pay, that I am now according to their make believe math, 13 months behind. Since federal guidelines require that you be less than 12 months past due, I am no longer able to apply for modification. Instead, my BOA rep told me I need to either do a short sale or let the house go through foreclosure.

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. And so even though we were only 2 months behind and contacted them right away and showed every effort to make right of our past mistakes, they do not care. Instead now we are possibly facing filing bankruptcy to save our house, or following through with the short sale and starting over. BOA is the worst bank ever and do not care about their consumers.

I have every email associated with this process. One of the first emails we received from the loan officer, which by the way, I have never met, was questions in red telling us what we needed to provide to close on the loan. Why did it need to be in red? What was even more amazing was that they kept looking at my bank accounts every month and we had to explain the deposits each month. We had to explain deposits of $20 and up because they were “large” deposits. I would also like to say everything that was requested of us seemed to disappear and then we had to turn it in again. That in itself is suspicious. What happened to all of my personal information?

The best statement from your loan officer (processor) was when she said, “I understand that you have over $60,000 in your account, which is why we do not need to have the source of the deposits.” I have never laughed so hard in my life because we have never had $60,000 in our bank accounts. Not only did it seem like your employees had no clue as to what they were doing, it seemed like we were being probed for no reason. This was a refinance, not a brand new loan. We may have had some understanding with all the questions if we were bad customers, but we have made every payment on time. This process has made us feel like criminals or that we had something to hide. To put people in a situation where they feel like this is criminal.

When the economy is as bad as it is and a middle class family is trying to save some money and the “big bank” is making an easy process into something drawn out and stressful, that is criminal. I sit back and wonder if other people have the same issues, or does your bank prey on the weak just to make a buck. Perhaps this process would have been easier if we kept missing payments or better yet, didn’t have enough money to make them.

We are outraged at what we were put through and in my opinion you should have no business doing business. “Bank of Opportunity!” that is funny. What opportunity are you talking about? Perhaps you should take that nearly $2 Billion in ad spending and invest it in something else. People wonder what is wrong with the financial climate in this country and why we cannot climb out of this massive hole. I know where to point the finger in one case. We have so much more to say but there is not enough room to continue.

We filled out the initial paperwork and emailed Mr. ** all required documents and information on 8-1-2012. I did not receive any correspondence from Mr. ** so I emailed him on 8-9-2012 to inquire if he received the documents. On the same day, he emailed me the application form again with a short note, "Here ya go." Really? How about acting like a Senior Vice President and actually read your email and respond accordingly? On 8-11-2012, I emailed Mr. ** with all documents again asking if he received the required information. No response.

On 8-14, I emailed Mr. ** again with "Please read" in the subject line asking if he received the information. Again, no response. On 8-29-2012, I finally received an email from Mr. **. Oh wait, it was for a termite inspection for a home in Florida. How do people like this make it to be a vice president? It has been 2 months and still nothing from Mr. **. Way to service your customers Mr. **. Take heed and find another source for your banking needs because Bank of America and Mr. Timothy ** are not in the customer service business.

Shahla gave me her word and promised me that that would not happen. She said she personally would put a note on my file, and that if my check showed up that day or the next day or any day for that matter, she would contact me directly and make sure my check wasn't cashed. Shahla is a liar. Not only was my check in their receiving department, but they also cashed it the same exact day. I gave her my bank information so she could take it out of my account so I would avoid a late fee, as if she was doing me a huge favor. So now I have made two payments to Bank of America. I complained over the phone to another rep today, and all she said was "sorry about that" and that it will be applied for October's payment. Bank of America should pay me an extortion fee for their lies and deceit. I believe this is fraud on the part of Bank of America - when clearly they already had my check and cashed it.

Last month, at 8:00 pm, I was at home by myself with my 2-year-old. The doorbell rings, I go to the door, and it's some strange man. He asked if I was Danielle. I said, “Yes, who are you?” He said his name and that he was with some company hired by BOA. He said that BOA hires him to go around, to see if people live at their residence. I asked him for a card, and he didn't have anything. It was all so weird. He told me that I needed to contact BOA. The next morning, I called and they didn't want anything. I told them how I felt about a strange man with no ID coming to my house, and at 8pm, I didn't like that at all. The women at BOA said they randomly pick customers for this company to come out and make sure someone is living in the house. I said, "Do you think that I am going to be paying a monthly payment each month and I am not living in the house!" Whatever, I let that go too.

So yesterday, I had an envelope on my door. I opened it, and there was a cheesy, handwritten Post-it that said call Judy and gave her phone number - it said she was with NCCI. I called her and she said she is hired by BOA to come out and talk to me about a modification on my loan. I told her that I was current on my loan and I had never applied for modification, so I wasn't sure why she was coming by my house. She said BOA just gives her a list of names and address, and she goes out to see them. She said I wasn't the first person to tell her that they had never applied for a modification and they are current on their loan. I am just so upset that I have all these random people coming to my house for no reason and BOA can't tell me why they are coming or even give me a call to see if I am interested in a modification (if needed). I really want to switch my loan, and I am going to look into it.

Well as usual, Bank of America gets your hopes up and just leaves you hanging. I called her at 4:45 PM, no answer, at 5:00 PM approximate, no answer. I emailed her, no reply. Guess what? The buyers walked as they said they would. September 7th I received a voice mail from the Advocate saying that the Letter of Approval was ready. Also, her manager left a voicemail indicating the same thing. Unreal. Now I have no buyer and my home will probably go into foreclosure. Now there are two VPs trying to appease me and suggest I do a Deed of Lieu. Does anyone have any suggestions? I have informed the North Carolina Attorney Generals Office and they have forwarded my information to the Settlement Administrator.

They have multiple times acknowledged error on their parts for not having the modification completed months ago; however today, my primary contact (Lushana **) and her boss (Matt) and the case handler (Carol) in the Orlando service center plainly said that even though all this mess is their fault, there's nothing they or anyone else in the entire Bank of America Mortgage can do to either stop the change of servicer or finalize the mod/ mandatory Dept. of Justice settlement before service change date. Also, I was told that new servicer is not obligated to follow my Countrywide/Bank of America settlement agreement with the government. Honestly, I feel like I'm in a twilight zone. The worst, biggest legal scam in the world, I truly believe, is being done to homeowners everyday by Bank of America. I honestly don't even think you guys should be able to have the word America in your name. You not deserve that.

When my husband had a heart attack, I went to their mortgage department and asked for options, HARP, etc. and was told we did not qualify because we had been more than 30 days late on payments, twice. We had never been 30 days late, ever. I was then told, we did not qualify, after the lender saw I had a 401K and stock options. Neither could be accessed without stiff penalty. I was then told we could refinance the loan for a good faith estimate of approximately $2,000 costs. I requested a 15 year mortgage.

We received the paperwork in the mail that did not reduce our existing interest rate, with fees of over $6,000.00 for a thirty year term, which would have cost us a tremendous amount in interest. I was livid as I read and never signed or sent back anything. I called the lender and left a message that we wanted a 15 year mortgage. I received no response. I did receive a voice mail that said we had an appointment to close on the loan, though we never accepted, nor agreed to anything. Their paperwork is still in my possession.

I called and received an answering machine where I left a message that we were not going to close, and that the $6,000.00 fees were not what our estimate stated. Since we had a fifteen year mortgage with nearly five years of unfaltering payment history, refinancing at a lower rate for fifteen years would have been advantageous. I received a phone call from a lender from B of A that said they could close the loan for the original fees of $2,000.00. We declined since they had already proven deception and had not provided the requested 15 year option.

I went to the branch to make, not one but two payments, current and ahead, and was informed that I could not. They could only accept the current payment and I would have to wait for a new statement. I could not believe that they refused to accept advance pre-payment. Sometime later, I tried to pre-pay again, and had to write out two separate checks and demand to speak to a bank manager to accept and post them.

Recently, we fell behind. I stopped on my way home to make a payment, without the statement coupon, and made the check out for more than the regular payment, plus the late charge, and asked that the additional amount be applied to the principal. I provided a previous receipt that provided the account number and amount of the regular payment. I was informed they were limited on what they could see about our account, and told I would need the payment coupon in order to accept the payment and apply as requested. I was fit to be tied.

I went to the main branch and spoke to the manager, where she waived the late fee after I gave her an ear full. I made my payment with the coupon, after she informed me not to pay extra principal, just the regular payment. She informed me that if the full payment is not made or additional is paid, it goes into a separate fund that is applied to the back end of the loan. She provided a phone number for a lender and said she would also refer our account to their lender to see about refinancing. I never heard a word from their lender.

Instead, we received a letter stating we owed two payments, which we don't, and informed us about foreclosure and options. It instructed us to call and make arrangements, which I tried once, and was denied on all viable options, after providing our life history, which had no effect at all. They just wanted money, all of it. I was shot down when I asked about paying the principal one week and the interest the next. We have been consistently charged an additional $5.00 a month by B of A as a fee, when we had no control over them servicing our loan.

Someone always tries to get us to open other accounts with them, which I would never, because of the way they have handled our mortgage. So now, I have no problem waiting for a foreclosure notice, so I can obtain funds from my 401K without penalty, and make numerous payments to this hostile company, in my opinion - if they will accept payments in advance. Should I really have to do that when we have always been able to make the payments, though late with late fees, only once, past thirty days?

So, I considered a refinancing option to take advantage of the current low interest rates and tried to find a lender. I found out that no lender could help me because my home value is less than what we owe and my mortgage is not Fannie or Freddie Mac. The lenders that I spoke with recommended me to contact my mortgage holder, Bank of America, and told me that I could be eligible for home affordable program.

I contacted the Bank of America and started mortgage modification paperwork. I sent out the paperwork by FedEx and got a receipt letter from BoA. Then, I followed up with BoA and was told that they need more information. So, I sent out the same way all the paperwork that they requested. I followed up again and now they told me that they haven’t received any of my paperwork and I have to do the process again. They sent me the same 3 packets. They left messages and gave me the reference numbers to contact them. I called them back each time, but it was the retrieving center. And each time the reference numbers that they left on my phone were not retrievable.

I’ve 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. 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.

They checked days prior and days after and nothing! Now they are saying they can't resend the paperwork, because I did not send it back on time? Really, and I need to start all over! Does BOA realize that families such as mine are falling apart due to the stress? I mean really, this is like a shot in the face. Obama where’s the help? Really BOA, how professional are you guys? I mean, families such as mine lose sleep, the sense of security wondering where we are going to live. And you guys have the dare to tell me that "We got the mod" - the words we dream of hearing but we didn’t? And the only way is to relive this nightmare over again, resending all the paperwork, etc. Where are the documents? What's the tracking number? I can go on and on. What to do now.

A few weeks ago, we received conflicting documents. The first set said we qualified for a new mod program. A few days later, we received a new set that said we didn't qualify because the paperwork was missing and then a few days after that, another set said we might qualify for still another new program. Now what was this all about? And the thing I find the most frustrating and underhanded is the whole time BOA claims to be reviewing your paperwork for modification, they move forward with the foreclosure. And that's where we stand now. Our house is scheduled to be sold in a few weeks. So we are now forced to short our home and move somewhere else. Where!

What I want is for all banks that were involved in this mess to be forced to confess their wrongdoings. Then I want them to be forced to work out with every homeowner who wants to keep their home and has the means to do so, a real modification solution. No tricks, no fancy words, no fancy paperwork, just fair and honest. If this can't be done, then my wants are very simple. I want compensation for my pain and suffering, including the theft of my home and the losses from my divorce.

BOA insisted on PMI, paying the property taxes, etc., which after six years has ballooned the monthly mortgage payment by an additional $1000 a month. We have been able to maintain the payments, but this past May I lost my job after nine years and things got a little tight. We fell three months behind and BOA threatened foreclosure. They were unwilling to work with us and tied up our request for loan modification up in BOA red tape. I guess asking them for a loan modifications admits that we are on the brink of disaster, but all we wanted was $200 ($300 tops) in monthly relief - an honest roll-back of BOA's self imposed “customer inflation” and ** fees. Once the calls started, it never stopped - day or night, weekends and holidays. The head of our home loan team left what I thought were pre-recorded messages because he repeats the same thing over and over again, until one day I picked up the phone and spoke with him (and he stopped reading from his script). BOA was so inflexible to help I had no choice but to cash out my 401K to help us get caught up.

With only one of us working, we can still make the mortgage payment, but other expenses, like auto insurance, going to the dentist and even groceries, will over time make it all the more harder to maintain commitment. What makes me angry is the process the put us through and now that we are back on track, we just received a home modification denial letter (from the same head of our home loan team) which says that a short sale is our only option.

What makes me even angrier is that yesterday I read that Chase is automatically sending out refinancing letters to customers (a couple who was 20 months behind got such a letter) due to the settlement that the five biggest home loan lenders made with the Obama administration and the respective government bodies to accept some responsibility for the housing crisis when threatened with stricter regulation. It would seem to me that if BOA was willing to foreclose on us after three months, this is the type of insult that makes every decent, hard working human being who reads this say **!

Apparently, it was not enough. We called the representative in this department and he hung up on us after telling us in a rude way that he only speaks to a lawyer. We tried to give him our ex-lawyer’s number and he told us he didn't make phone calls. Our ex-lawyer called and he didn't reply. Our lawyer left two messages and let him know she is documenting this, yet he hasn't answered my ex-lawyer's calls - so much trouble to release the final note. Even my ex-lawyer said she had never seen something so absurd as this situation. It is quite frustrating. We are ready to start paying our mortgage. We really want to keep the house and it’s the bank and this pointless obstacle (or person) that are keeping us from reaching a deal.

So they then send me a new application to fill out which I have filled out 2 more times. And, at the same time they send me a letter confirming that they received my information and are in the process of reviewing it, they send me a letter stating that they've denied me in the past (still with no explanation), but that I have a case and so I can reapply by the date they provide. I feel I am getting nowhere by myself since they continue to start the process with me every time I call. They never give me full details as far as why I am being denied or why one relationship manager opens my case while another asks me to resend everything again and start the process all over. I feel like I am getting the runaround and no one is communicating with each other in that bank. Please help!

The customer service is horrible! I took it upon myself to call on a weekly basis to try to fix this error. I was told that my modification payments had been applied to my mortgage and that's what generated the foreclosure letter because they weren't applied correctly and now it looks like I am 4 months behind, which I am not. No one at BofA seems to know how or want to fix this problem. All they want is the 4 months of payments I don't owe. Now, I'm looking for a lawyer to help me. I don't have any money, but I am in desperate need of anyone's help!

First there was the canceled check, then there was the "gift statement", then there was the explanation of our friendship. Because the canceled check was not encoded (her bank did not encode their checks), they wanted her bank statement in which she provided the page where the check cleared. It’s already 2 weeks past due of closing and a couple of extensions and many countless explanations, such as last names? I've been married and divorced; the bank (seller) stated that they would pull the property if we didn't close by August 31, 2012. Needless to say, I contacted the lender in Greensboro N.C. and asked him what I could do to make sure we closed by that Friday (yeah, a week left). I also e-mailed the manager of the processing dept. in Charlotte, N.C. Needless to say, the lender called me 5:30 p.m. Monday and told me that I now had to write a letter of explanation for the things on my "credit". This was after I received e-mail from the manager of the processing dept. that he and the "processor" would do everything possible for us to close by Friday!

Well, after explaining things from a divorce and the three things from my husband that came to $5000.00 in debt, the underwriter "declined" our loan! Reason being my job is contract (although I have been here 8 years) and it all of a sudden had to be done "manually". I don't buy that excuse for a second. Did I mention the fact that the underwriter also wanted a statement that was going to cost me and my husband $100.00 from an exterminator that basically stated that the wooden fence was not going to have problem with termites?! Wouldn't that have been covered during the "termite inspection”, especially, since the termite inspection was done!

Like I said, I believe the underwriter had an issue because I went over her head for process to close before I lost the house. Not only was two months of my life on hold, but the outcome was not appreciated. Why would the underwriter keep going on about petty things such as the "FHA/VHA" not being dated when they had it since June 29? Not to mention the fact that she wanted my girlfriend’s whole bank statement, wondering if she had the money to give, when clearly looking at the entire page of the statement, there were two other transactions that totaled the amount of the Ernest money! I am highly upset and disappointed with Bank of America! Is this what "contracted" workers have to look forward to?

When they received the notice on their door, they thought it was an error since they had the letter from BofA stating that it had been canceled. They were wrong. Fannie Mae took their home and it has all been recorded with the county on the deed, etc., and now they are getting notices telling them they must be out now with threats of the sheriff, etc. Now this is where this gets real strange. Amerifi, the company that was handling this loan mod for them, is telling them that they can reverse this foreclosure and they have been referred to a company called Nationwide Consumer Advocates who is telling them that for $5000, they can reverse this foreclosure, a foreclosure that in my mind was mishandled by Amerifi in the first place. They are older folks and really don’t know what to do at this point. Anyway, this is where we are sitting now and are trying to figure out what to do on this. I am thinking they need an attorney to step in on their behalf and try to get this fixed.

I called and gave all of my info to them. They said they would send a FedEx package overnight and to fill out the paperwork and send back. I received the packet, completed all of the paperwork and sent it back the next day. 2 weeks went by and I received an automated message that there was a change in my account status and to call an 800 number with a pin. When I called, it was a CSR wanting to know when I was going to make a payment. I told him that I had applied for a loan modification and was waiting on them. 30 days went by and another automated phone message. Same thing. I then asked the person if they could see if I was in a loan mod program and they told me it was a different system and they could not see.

I then decided to call my CSM to see what the status was on my loan mod. I was connected to another person stating that they were going to be my CSM from here out and they were there to help. I then gave all of my info to them again and he said there was some more paperwork they needed and they would send them. Two days later, I received a FedEx packet with a tax form to sign and send back. I did the next day. 30 days went by and nothing. I tried calling and left several messages. I figured since I left messages, they would call me back. Nope. Nada. Nothing.

Several months went by and in July, I was contacted by a third party company (Loan Resolutions Corp) based out in Scottsdale, AZ. He informed me that my house had a sale date of Sept. 4th and he was willing to do a short sale to help me from foreclosure. I was skeptical about this company and thought it was a scam. He said he needed to fax me some forms to get signed up for a co-op short sale. He offered me a (HOFA) short sale but explained to me that it is a very long process and that it could take months and my house would be sold at auction before it was approved. I asked if he could email me the forms and he said BOA required it to be faxed. Well in this day and age, we do not have fax at work and do everything via email. I signed up for a personal e-fax so I could receive his fax.

I waited 4 days for it and tried calling him when I didn't get it. Then I was starting to wonder if it was really a scam. He called back and said their fax system was down and I would get it the next day. When I did receive it, it was on BOA letterhead so I decided it was good. Through the process, he said that if I was able to become current on my loan, that I could opt out of the short sale. I went to my family and told them of my situation and they were going to help me get current and save my home. I called Loan Resolutions back to get some phone numbers from him. He said he did not have any and that I would have to call one of the many numbers I had.

That day I received some paperwork in the mail from BOA regarding some loan modification options. The number listed was the same as Loan Resolutions. I called LRC back the next day and asked him what it was about. He told me it was just a standard letter that BOA sends out. When I told him it had his company's phone number on it, he got quiet. I told him he was a scam and I was not going to work with him. He then got defensive and decided to give me some phone numbers he did not have the day before so I could verify his status. I tried calling these numbers but I needed a 6 digit extension number, which I didn't have. When I tried to press "0" to get an operator, it just played the same recording.

A family member has a friend that had some numbers to the CEO and President of BOA. When I called it, all I got was a voicemail. I left a message and also called and left a message with her manager, which number she had left on her voicemail. I would call twice a day for 3 days and no return phone call. I then wrote and sent a certified letter to BOA's Escalated Customer Advocacy Group and filed a complaint. Before the letter arrived, I was contacted by a lady who works for BOA in Virginia. She said she is my CSM from here out and that she was here to help me through this process. Yeah right, like I heard that before. I told her about my experience in the past and she assured me that it would not happen again.

I explained to her that I was going to come up with the full amount past due but just needed to know a final number. She said she would have to submit for the legal fees and she would contact me when she received them. Last Friday, she called me and said they would work with me on the final numbers and gave me a lump sum to pay and the balance would be spread over 6 months. She would never give me a total past due amount. She told me to think about it over the weekend and to call her back. My son had surgery on Monday so I waited until Tuesday to call her. When I called the 800 number, I had to speak my loan number. It then transferred me to another CSM.

This guy stuttered and seamed very nervous. I told him that I was wanting to talk with my other CSM and he told me that she was no longer with them (I can see why). He had no previous info that she and I had talked about and had to do some more research. I told him I wanted a final number to get current by that night. He called back an hour later and gave me that same speech, but a different set of numbers. I was okay with the numbers and asked to get it in writing before I send them $11,000. He said he could not and it was a verbal agreement between me and BOA. I said it was unacceptable and wanted to speak to his manager. He placed me on hold and came back to say that he would call me back.

On Wednesday, the CSM called back and wanted to know what his manager and I came up with. I told him that I never received a phone call from him after leaving him 2 messages. He again placed me on hold. When he returned, he tried to change the subject saying the time was counting down and that they needed the money. I, in turn, told him that I had the money but was not going to make a payment unless I had the agreement in writing. He said they would mail me something in writing, but it could take 2 weeks to get to me. Again, unacceptable. I told him that I wanted to talk to someone that would get me what I wanted and he said I would have to wait until the following morning.

Yesterday morning I started making phone calls to every BOA phone number I had and I could find on the internet, leaving messages after messages. Last night, my CSM called me back conveniently after the close of business here in Texas wanting to know when I was going to make my payment. He acted like he knew nothing of what we talked about the night before. I told him again I wanted to talk to his manager and his manager's supervisor. Again I got placed on hold and was told that they would have to call me back. 2 hours later, he called me back and had me on speaker phone. He told me that they would have to get with the attorneys today to see if they would approve this transaction. I asked why the transaction had to be approved and heard someone talking in the background telling him what to say. He said that since he was off today, that his manager would call me back today between 9 and 10 Pacific. No wait, 9 and 10 Central to give me a final answer.

At this point I was seeing the writing on the wall. Since they would never give me a final number and the payment plan that they did not want to put in writing was still going to put me 3 months behind so they would still be able to sell my house this Tuesday. I took the advice of some friends and contacted an attorney this morning and had to file Chapter 13, but my house is now saved from the BOA communists. At 4:20 today, my CSM's manager called me and left a message stating that he had some news for me. I bet he does. To everyone that is going through this, I am sorry and we need to join together and fight them. To all that has not, please read and learn from other's horrific experiences. Stay as far away from BOA as you can. It is now my life's ambition to take down BOA.

This person put me on hold for several minutes. When she returned, she told me that everything was OK and my next payment was due on October 1. It is obvious to me that the intent of BOA is to funnel customers down the path of late payments and additional fees. Only the most determined and assertive customers can escape the unfair and predatory practices of this bank. During the month of August, I spent about three hours on the phone with various customer service representatives. I am in a position to be able to spend an hour on the phone attempting to reach the correct person. Most working people cannot take time away from their job to do this.

I called and was told that BOA had made a policy change internally and accepted no partial payments. No one told us or the tens of thousands of others doing it during these hard times. We were served with foreclosure papers this June. We discussed possible bankruptcy with an attorney in a nearby town who didn't tell us that he had informed the court he was supposedly our foreclosure attorney. He wasn't. The court date was never given to us. We were not able to participate in the mandatory mediation process and found in default because we were not there on the day. I still do not know exactly what day was ours. Bank of America sent a reinstatement calculation in mid July that was good through 8/1/2012. We thought it was impossible, as it is now over $30K. But the evening of 7/31, we received a call from a relative who offered to give us what we need to reinstate the loan. The next morning, I called my supposed account rep. assigned to handle our account, but was unable to reach her or her supervisor, so I left messages for both stating that we have the money to reinstate and that they please send me another recalculation figure.

I have now spent three very frustrating weeks trying to get someone to give us that figure. I cannot get them to call or fax it. The shyster attorney, who we told on 8/1 that we would not be declaring bankruptcy, hit the roof when I spoke with him, argued with me about how bad it is to borrow from family, although he suggested it back in June when we asked how to pay his $3,200 fee and the monthly mortgage and the monthly court payment. He was very angry. He did not inform us of the court date. A copy of the court's decision arrived here last week, seemingly dated 8/13. He knew of it and didn't tell us. So, we didn't show up and lost by default. Again today, I have left messages on BOA manager’s phones stating we have the money to reinstate the loan. No one is returning my calls. By law, I have until the day of the sale to reinstate, but no one is helping us.

The BOA papers always state they are protecting the interests of our investors, so how is that being done? Do you honestly think investors would rather own an empty house instead of receiving over $30,000 and a monthly mortgage payment? This is good business? We will be homeless soon. How do I stop this? We didn't get our day in court because it was withheld from us. We have the money to reinstate the loan but no one at BOA wants to tell the amount to send to them to do it. We earn enough to pay the mortgage, if we can get it reinstated. Now what do we do? We will soon be homeless.

A couple of weeks went by after the appraisal and I heard nothing from the loan officer so I decided to call him. That's when he decided to tell me that he needed some documents from me. I immediately sent them over and again didn't hear from him for an extended period of time. Now, we're into August (keep in mind I was initially told we would close by the end of June). I tried calling him again in the beginning of June and his extension didn't work. Come to find out, he was no longer with Bank of America and nobody bothered to tell me. After two days, I was finally able to track down my new loan officer. He told me that we would definitely be closed by August 13th because that's 90 days from my initial call and they always close within 90 days. August 13th came and went. Another lady was also involved with my loan and she decided three months later to tell me that I needed to submit some bank documents. This was never communicated to me for three months.

On 8/16, I got a call from my loan officer and he said that the initial credit report was only good for 90 days so they had to run another one (which they did without my consent). The credit score came in slightly lower so he advised me that my rate would go up. Basically, I'm paying for their inability to close a refinance within 90 days. Unreal. On 8/17, I got an email from BOA telling me that they needed to know when I owned a rental property and when I sold it. I already explained this to my first loan officer but I told this lady that it was an apartment that I rented approximately 10 years ago and I didn't own it. On 8/20, I called her to confirm she got the email and that there would be no further delays, only to find out she's on vacation and that another woman was covering for her while she was out, so I called her. I left her a voicemail message and her recording said she would call back within 24 hours. It's three days later and still no call back. I also left a message for my loan officer and a supervisor today but nobody returns calls at Bank of America. This was only a brief summary of what happened.

There were numerous other emails and phone calls that I made to the loan officers and supervisors to try and get things moving. Today is exactly 100 days since my initial call to Bank of America and I still don't have a closing date. If you'd like to save yourself from countless headaches and would like to close on a loan within a normal timeframe, then I suggest you don't deal with Bank of America. They seem to be very unorganized and they certainly don't know how to treat their customers. Keep in mind that it only took me 60 days to close on my house when I initially bought it. It's taking 40+ days longer at this point... and counting. To make matters worse, my current mortgage is already with BOA so it shouldn't be that hard to refinance with them since I'm already with them. This bank is a complete joke! Don't waste your time with them!

Michael believes that BA's position is inaccurate and entirely without merit, as all deadlines were met. Michael commenced application for HELM on March 29, 2012 with an initial fax of documents requested; faxed to 1-888-260-4131, 16 pages. Michael continued to respond to BA's request for documentation: April 25, 2012, fax of (4) pages to 1-877-819-0375. On May 5, 2012, Michael continued to respond to BA's request for documentation: fax of (4) pages to 1-877-819-0375; On May 11, 2012, Michael continued to respond to BA's request for documentation: fax of (2) pages to 1-877-819-0375. On May 18, 2012, Michael continued to respond to BA's request for documentation: fax of (4) pages to 1-877-819-0375 and 1-888-260-4131. On May 25, 2012, Michael continued to respond to BA's request for documentation: fax of (8) pages to 1-888-260-4131.

On June 3, 2012, Michael continued to respond to BA's request for documentation: fax of (5) pages to 1-888-260-413. On June 6, 2012, Michael continued to respond to BA's request for documentation: fax of (4) pages to 1-888-260-4131. On June 14, 2012, Michael continued to respond to BA's request for documentation: fax of (4) pages to 1-888-260-4131. On July 25, 2012, Michael composed and faxed a letter to BA requesting a response from the BA Underwriting Department as to a forthcoming decision on my HELM application. The letter was faxed on July 25, 2012 to Ms. Tammy ** (Customer Relationship Manager) at fax no. 1-888-260-4131.

We are extremely thankful and grateful for the opportunity extended by the VA to reduce our mortgage rate during these difficult economic times. We have been in full compliance with all terms of the note and mortgage held by the VA. Unfortunately, administrative and communication problems between VA and it's servicing agent BOA is a disservice to veterans causing undue hardship, erroneous default notices and negative credit report.

My first case manager was Rebecca ** and after telling her my financial problems, I asked her what I could do. She stated I could apply for the Home Affordable Modification Program (HAMP) and that my RMA (Request for Modification Affidavit) would go through not only HAMP, but all of BOA's modification programs. I expressed concern to her that I did this in the past and had many issues with BOA: getting all of my documents; poor communication; and it never worked out well for me applying for a modification ever since BOA was assigned my first time mortgage FHA loan from Countrywide. Mrs. ** stated she understood but said that BOA is now improving on the modification process and other account related items by assigning customers their own "personal relationship managers" instead of a standard customer service rep to assist customers during their account troubles and the modification process. I agreed; so by mid-May, I received a RMA packet from BOA and began the modification process again. I was advised by my personal manager she would contact me weekly to update the status of my modification request.

I knew from the RMA packet and Mrs. ** it was very important I provided every document correctly and timely. I had circumstances throughout the process that made some documents "unavailable and impossible" to provide and had many other questions, so I called Mrs. ** frequently; so that each time I was unsure of how or what to provide regarding some of the documents, I'd get an answer from my case manager either by her own advice or by placing me on hold and then getting back on to advise me what her superiors told her to tell me. I finally was positive from all of my calls, questions, and follow ups, that when I had faxed over the entire mod request, it was all there, all provided, done correctly and submitted on time. Mrs. ** advised she would get it all to her, and she would be in touch with me again on a weekly basis. When a week went by, I received a letter from BOA; and it was another letter advising me of my "2nd and newest" personal case manager, Takyia **.

I called her up and explained I had a fax confirmation that my documents were received by BOA. She told me no worries, she was my new customer relation account manager and that my mod request was with underwriting; but it could take a while for them to look everything over, so I should hold tight and wait for her to call me in a week. She looked at my account. Said she has PDFs of my entire mod request, nothing else was needed, and just let it go through underwriting. I was sure now I'd get a letter before not long on a modification approval since I was told all my docs were submitted and now in underwriting. It was common that at least with each case manager, I would get a letter stating my mod request was still under review - nothing more, nothing less. Shortly after Takyia **, maybe week or 2 tops, I get another letter from BOA advising me that I was yet again assigned another personal account manager, my 3rd one in a very short amount of time, a man named David **. I then called him promptly and explained he was my 3rd case manager in a short time, and he as well stated my mod is still under review and they would touch base weekly. I told him between my first 2 managers, they advised they received everything needed and it made it to an underwriter.

I never received those weekly follow up calls regarding my mod review from any of these 3 case managers, just an occasional letter saying they know I applied for a modification, that my request is still under review, at least a few of them during the process, and so that's what I’d get by mail instead of my promised weekly call. Being told I provided everything correctly and timely, I was not too worried until a few more weeks went by. I touched base with David ** and asked what was going on; how come I did not get a letter on my mod request yet when it was already in underwriting from my last/2nd manager, Takyia **? He looked over all my files, went over a few items I needed to clarify over the phone. And once that was done, he told me my whole file looks good and it all seems to be in order.

And so again, I was told to hang tight and wait to hear from him/BOA so the review can be completed. Well by the time I got my next letter from BOA, it stated that I had to be in touch to provide additional documentation. I called David ** and reminded him of our last call that all was in order. He had me on hold over the phone and was reviewing my file again in his computer and finally he said, "All is good and here, except one form that was not filled out in the proper format." And so he told me to redo it, fax it again, and that would be all; and even though I later found out under closer inspection that the date format was already correct on the form, he had me re-fax. I still redid it and faxed it again by the next day.

A bit after that, I got one final letter that my case is being reviewed; and then although he still did not call me weekly or update me personally on the phone about my process, I now thought ok everything is fine again and this is the 2nd case manager of the 3 total I had that told me I provided it all. After a few weeks again, I said I have a bad feeling and of course I was correct. Even after being assured again, this time by phone and from David **'s own words that my last re-fax was the last of what was needed, I got another letter saying my request cannot be further processed due to all required documentation not being provided. I left several follow-up calls with David ** and left voice mails; never did he call me back. When I finally got through to him, I gave him my name and account number and began to remind him of our conversations, things he told me, things I followed and did when he told me, reminded him how he assured me that re-fax weeks back was positively all that was needed (and again, I realized the one doc he assured me was all that was left that he needed was already correct the first time around).

I told him I was beyond frustrated that no matter how many times I'm assured and told I provided everything needed and correctly and on time… how did I again get a letter (almost 3 weeks or a month later from when he told me I was good now) saying I have not provided all of the documentation? I also told him I did much research online, I looked over all my documents I saved during this mod request, and that I can go on any website and see many websites with "tons" of the exact same complaints: people not getting call backs; being told it's still under review; not getting return calls; so much time passing that all new documents have to be sent in again from being outdated, etc. And what about all the lawsuits, class action, whistle-blowers all about BOA and tons of all the same posts from every type of person all over the country dealing with BOA and these problems… that I cannot understand how BOA is still doing the same thing.

I said he told me the last page I needed was, a 4506T-EZ form revised in 2009, I think, which requests tax year format as “date/month/year” and that I just put the tax year as “year format” only. So, I fixed it and re-faxed it; but when I reviewed my original docs faxed in including the 4506T-EZ form, it was a 2010 revision or so; and either way, that one in fact did just want the tax year as "year" formation only. I said I'm tired of faxing, re-faxing, providing same docs over and over, being delayed, having to send in more current docs from BOA, waiting too long by intentionally stalling, providing multiple case managers in short amounts of time, their extensions going to voice mails, and not getting call back or the original weekly promised follow up calls. And that when we had talked last, he advised me I sent in the last thing/ doc needed; and I was good to go and just had to go through underwriting.

At that point, he seemed kind of unsure what to say; and there was some silence as he was "reviewing" my file again; and then after some silence and noise in the background, he told me it looks like there are some items still needed on financials. One thing he brought up was something he already brought up in the past which I told him is already taken care of and in my file, and he said ok. Then more silence, and then he said “oh, it looks like we need one more thing” on my wife's financials; and again, I reminded him that was also already taken care of.

I told him furthermore, even if he did need that stuff, he never even called as promised so I could get it right in. I said it sounds like at this point he is literally making up ridiculous requests of items/letters that do not even make sense, and how many times do I have to hear I only need one more thing, furthermore things not making sense, not part of the original instructions on the modification. I said I'm tired of faxing over and over and being delayed and stalled on purpose and having items/letters/docs made up as you go. I said I provided it all, everything on the checklist of that RMA process, all the other little things, etc. I dealt, over the months, with 3 different case managers; and I know it is crap because I know I already sent it in all correctly based on the list I saw, questions I asked, things I was told by actual case managers; and I am not faxing anything more. I said you have it in all on file in your system already just like the last case manager and the underwriter (if it ever really made it to underwriting). I said, “How many times do you expect me to send in the same stuff just to be told over the phone BOA has it all, but then a month later sends a general letter saying docs are missing?”

So, I have a first time FHA loan (federally backed, keep in mind); and not only was everything sent in, but upon review of all the original docs for the mod request me and my wife sent in, what good is us being qualified borrower's when BOA does everything in its power to delay, stall, confuse, lie, manipulate and frustrate customers to the point where they lose help and just give up or finally refuse to cooperate. I thought FHA is federal insured loan, so wouldn't the bank get its money whether the house gets foreclosed or if they gave me modification and I messed it up? That they would still be safe anyway? I see former BOA whistle-blowers coming forward getting large settlements; I see certain States with class action lawsuits against BOA. But then there are tons of posts exactly like mine, and I do not see anything about how we can get help form the government or being part of a lawsuit. And the fact that BOA is already known for all this stuff and has current or past suits or settlements they made, how is it they are still doing and getting away with this?

The consequences is my house will get foreclosed on probably because I'm done faxing all the right stuff, being made empty promises, being lied to, dealing with stall tactics; and this will put a family of 5 out and homeless, which is my wife, myself and our 3 kids.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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