Bank of America review: fraud, embezzlement, loan modification 192

Hooker?

are you implying that you fly stealth bombers?( speaking of insane) military men/women do NOT make enough money to buy anyone 100 times over, again spend as much time educating yourself as you do posting comments on OTHER people's complaints and maybe someday you can really be "stealth" and have fat paychecks :) good luck mr/ms stealth bomber, I think you are going to need it in life, God Bless America :)

this is for miss stealth... you said the other night that you were a military MAN now you say your a woman, you need to make up your mind... and for your information I HAVE NEVER GOT AN OVERDRAFT NOTICE...I have always conducted my checking account with percision...im willing to bet that you couldnt afford the mortgages we have been paying, and thats a fact jack! You need to stay off the boards and talk about something that you know about... which is not the mortgage mess, this is just my opinion and im sure that most here would agree with me... chump !

oh my, I am really late in the conversation so I will be brief;
John your site is very educational while being entertaining, but if people REALLY want to understand the big picture they would educate THEMSELVES, but this requires intellect and motivation... much easier just to listen to Glen Beckless/Flush Rush Limbaugh/Fox non-journalism/name your idiot...and mimic them
Doubters- watch actual investigative journalism- "Inside Job" and you will finally understand this is about corporate/wall street/political greed not we little bitty homeowners just trying to pay our mortgages and be responsible tax payers who got sucked into their greed and malfeasance.
But surprise! we are fighting back for justice, for the real thieves to be prosecuted and... Ms. Stealth...that is what you should be fighting for as a member of the military... my Dad, Mom, sister, cousins, friends all fought for your right to defend our country from criminals like the Banksters, now how about you spend the considerable time you seem to spend on this site doing something productive, like educating yourself and learning a bigger and better vocabulary. Good luck to all the Banksters and their little internet monkeys out there blogging...you are going to need it cuz we are coming to get you! My name is Lo from Texas Foreclosure Coalition, write us your story and join us at sueboa@yahoo.com

We bought a home we felt we could afford and retire in, but one month after closing, the bank raised our rate over 1.5% on the first and 5% on the 2nd. They make the rules and they set the standards for qualifying we did not lie nor pad our income, in fact, if anything, we under reported it.
A rate hike of this magnitude was against the law when we bought our other home several years ago (I know because I asked) After research, I discovered that the laws had been deregulated in the 80's and we were trapped. We didn't know about the deregulation, we are not lawyers, nor bankers, nor real estate agents. We count on this professionals to operate within their profession and inform us.
Ah well, No problem, we are not young kids, we had money saved and good credit, we would simply get another more affordable loan. Unfortunately, the bank was holding us to a prepayment penalty we had negotiated against. Consequently, we were not free to get another loan, because the money they insisted on "stealing" from us would make our loan to value too high.
The bank held us to this illegal prepayment penalty for almost a year past the date we should have been released and during this time property values dropped making it even more difficult to refinance. We asked them to simply refinance us at a fixed rate, in lieu or releasing us from their wrongful prepayment penalty. They refused. When they finally acknowledged their error it cost us over $75, 000 additional on a home already underwater and increased our payments by $2, 000 per month, because in order to refinance we had to refinance our income property to meet the $75, 000 increase.
Now we have been paying this increase for four years, as well as attorneys fees, etc.
Can millions of people really be wrong? I don't think so. A few thousand might leave a reasonable doubt, but millions? Just because we were able to afford it until now, doesn't mean it was okay to steal from us. Meanwhile B of A is making a profit and paying attorney fees off of the money they wrongfully charged us. I find it a little infuriating, having been a victim of these fraudulent banking practices to have my situation dismissed along with millions of others by people who have obviously have no idea what they are talking about.

Stealth Pilot, I have no doubt you are working for BOA and your job is to disagree with everyone telling the truth about BOA. The best thing we can all do is IGNORE YOU! GO BUY SOME BALLS AT THE NEAREST MARKET AND GLUE THEM ON...maybe and maybe then you could write at John Wright's level! WE ARE FIGHTING BACK WHETHER YOU AGREE OR DISAGREE...AND UNITED WE STAND!

I am going to have to agree with John, on this one. Most girls who seem to have something mean to say just have an underlining problem themselves in which they take everything out on everyone else because of their ingrown hairs or something. Trust me, I work in an office in a customer service job. Women's biggest enemies are not men, it's other women.

Brenda:
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Regardless of your feelings, there is still a new sheriff in town.
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Some of these women in here are so crude. I am betting they look exactly the way they sound too. What's is next? Are they going to scratch their balls and spit?
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So Crude.
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My name is John Wright AND I AM FIGHTING BACK!
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John Wright
piggybankblog.com

Stealth Pilot, if some one forged your signature, fabracated closing documents and tried to pass them off as the "true copies", you might not think so highly of BofA. And what is even worse, it was done so badly. Or how about returning your unemployment check because "account closed" ...the state closed there BofA account? And BofA waiting 3 months after the deposit to take it back out of your account, leaving a ton of NSF fees for items you had out, and then tells you it is not there fault. It took over 2 weeks and the help of the state faxing there ledger page to prove the account was still open and the check CLEARED! And it that is not enough...they do it again a week after that for another unemployment check deposited 2 months earlier. The dumb bunnies had sent that check to 3 states and even had an endorsement from Wells Fargo. Now if they can't even keep the smallest of checking accounts in order, how the heck can they do a good job of safe keeping our loans and the loan documents...answer, THEY CAN NOT !
And their loan mods...a joke. They do not want to help people, and keep their homes. And for the record, my family has been in every war in this county since it was founded, fought for freedom and rights, and many lost their lives doing so. And from what I see, our rights here at home are going in the trash. Maybe you should start fighting for America Rights here, at home, were it really counts instead of putting down all those who are finding themselves in the middle of legal and human rights beening trashed.

When it comes to Stealth, you should just do a signature "Umadbrah?" because obviously she is. Or just tell her that her boobs are saggy and that's why she's so mad. *shrug*

Good luck though to the writer of this post, may your fight with BoA go as smoothly as mine did...

Hi "I like Cookies"
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Thank you for taking the time to write me :)
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You are absolutely correct that her actions are completely protected under the first amendment right, in which I am a big believer in. Even considering, I am certain that I can have her statements completely removed, after having my people reviewed some of the policies of this site. However, I did not ask to have them removed, but simply suggested that there would sever social consequence and accountability for her actions, if she expressed herself in an abusive way to myself or the people of my cause. This is because I have zero tolerance for a bully.
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With that being said, I am saying that she has every right to put that metaphoric middle finger in my face, but she should not be surprised if I should respond in a way that suggests where she can stick that finger of hers. Though she might even have the right to put that middle finger in someone's four year olds face, I am also suggesting that it will not be tolerated without social consequence. This is because I also have a first amendment right, in which might involve me expressing myself back, while I also exercise my version of freedom speech.
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My name is John Wright AND I AM FIGHTING BACK!
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John Wright
piggybankblog.com

Oh wahhhhhhhhhambulance.

Either way, I had BoA as my personal banking account for almost five years, no problems, then BAM! my debit card was stolen, and when I say stolen I mean my entire purse was stolen from me. Set it down on the counter at a local resturant, and then looked over after I had paid with cash and my wallet and purse were gone. I called BoA, told them my card had been stolen and to close the account. Guess what? They didn't. I went home later that night after work, checked my account and over $300.00 had been charged to my account. I called again and this time I was in tears. Now... if I had called not only about... um, 5-10 minutes after my card was stolen, and they supposedly had "cancelled" my card, all of a sudden I had these charges? All my other cards I called after cancelled my account right away and sent me new cards and set up my new accounts on the spot for me not even having to lift a finger. So how is it the biggest bank supposedly, in America cannot do a simple task such as close an account when my card was stolen?

Oh, the fun doesn't stop there either. After I called there, in tears, telling them what happened, the lady was not only rude to me, but stated I was LYING. Uh... lolwut? Of course I was lying about my own card being stolen so I could go spend money at Sears Auto and Shell Gas Station, oh and not to mention at Express for Men. Well, it was sent to the fraud department after about 3 calls to different people and 2 "managers". So afterrrrr that, I called up again after a week to see how everything was doing, they told me everything was going fine, and the investigation was underway, I thanked them and went on my merry way. Four weeks later I get a bill in the mail for $351.76, I will never forget that number, that's how much BoA said I owed to them in charges. I almost threw the drink I was holding I was so angry. I called again, this time not as nice as before, and FINALLY someone told me the fraud department said they found no foul play. NO FOUL PLAY!? Not only had I cancelled the card, I had cancelled it TWICE, went to fraud, talked to everyone I could and now they wanted MY MONEY!? You can only imagine my anger and frustration, I felt bad for the poor customer service girl on the other line who only sounded about 19 years old.

Needless to say, unless I wanted to go to court, which I have no time for or patience, I basically told BoA to shove it where the sun don't shine, closed my account and once that bill went to collections I hired an attorney and basically had them deal with it. Luckily, I kept my T-mobile bill showing I had a 5 minute conversation that day because it proved I had called BoA and told them to cancel my card. It's obvious they didn't give a crap about me, or my money, or well just... about any of their customers. I would never go back to that bank if my life depended on it. If I put money up my bum and walked around with it half sticking out that would be about as safe as it is in BoA's hands.

Freedom of speech only applies in government matters, dingbat who doesnt pay their mortgage ontime. What the hell you think slander is, no-nothing idi0t. Educate yourself. Your stupidity is killing me.

Dear "I like Cookies":
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I would post it for accountability purposes. This is because it appears that Stealth harasses people online, while they hide behind an anonymous screen name and abuse people with their bad language and threatening tenor. The others that I had posted were actually paid to come out here and talk about me, but I have no problem diverting my recourses towards someone who I find to be harassing the true victims, such as Isabel is. This is why Stealth should be careful, because they do not always know who they are talking their ### to. However, if they are going to talk ###, I suggest they better be able to back it up. This is because there is a new sheriff in town, and I have every intention of backing up what I say. This is also because I am not using a fake bravado, such as I assure you Stealth is.
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Contrary to your feelings, Stealth is the one that is harassing victims with their abusive tenor, language and attitude. They are by no means a victim themselves, unless they choose to be (wink). Though I like healthy debate, I have concluded that Stealth is nothing other than an abusive bully, which is exactly why Isabel has asked for us all to come here. This is why Stealth should reconsider using such strange amounts of effort to harass people on complaint boards, while appearing to be nothing other than a complaint troll, who leaves hit and run statements that challenge peoples character without cause. This is because my team might conclude that this is the finger print of someone who might come up on the radar as working for Bank of America, in which I assure you will trigger a series of events that might catch a dolphin in our tuna net now and then, but will have immediate consequences. Though I have not concluded that Stealth works for Bank of America, I have concluded that they have the finger print of someone that is working for some kind of agenda, while they have their friends click the positive and negative responses on these comments we all leave. This is a silly tactic on Stealth's behalf, after you consider that I have a thousand member blogger hit team that could light those positive and negative comment responses up like Christmas tree. The simple fact is that Stealth is an amateur, and my team tends to eat ### like Stealth for breakfast every day. I assure that it is war they cannot win, but we nevertheless see Stealth as target practice for what are agenda we might have.
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With that being said, you would be incorrect that it is illegal for me to post publically obtained information, unless Stealth is under 18. Nevertheless, have I mentioned that I am fighting the largest bank in the world? This would clearly suggest that I have many resources accessible to me, while one of them is being that I have 25 attorneys. Clearly, I stand ready to defend myself from any legal threat brought to me by Stealth, while I assure you that Stealth serves no legal threat to me at this time.
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My message is clear: "In the end, I think everyone here agrees with the fact that it does look like Stealth might have brought a knife to a gun fight." End of story.
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My name is John Wright AND I AM FIGHTING BACK THE LARGEST BANK IN THE WORLD!
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John Wright
piggybankblog.com

I have been reading the comments from both sides and its pretty clear to me that mr stealth, loves to stir the pot. I too, have had my trouble with b of a. and since he like the "facts" i will give you some. in 2001 i bought a house, then when to economy started to slide in a downword fashion, my income started to go the same way. I work for myself as i have for 30 years. my income was very good. I started to notice that i was taking a little more out of my saving each month to afford the same standard of living i was used to, and believe i was NOT living that fancy! I was told to call b of a, that they were willing to help people in my posistion. so i called them, they told me that in order to get help i HAD to stop making my payments ! so i trusted the bank and did what they told me to do cause we are supposed to BELIEVE what the banks say right? well as it turns out thats not so true anymore, i can remember when you knew your banker, you delt with them all the time and had a relationship with them. not anymore. so please stop telling us that "if you paid your mortgage on time" crap. its sounds like a poor excuse to me now that i KNOW the banks lie. read the papers, listen to the news millions of foreclosures cant lie. the system is broken and needs to be fixed NOW. and we need accountibility from the banks and from the officials who are supposed to represent US... remember "by the people, for the people"...

I agree John, you always hit the nail on the head. If he was a smart person this Stealth, we would clearly see the truth of all the information you are able to obtain on anyone! But, there are those out there like Stealth that always opens mouth and inserts foot. And those like Stealth who just talk the talk and loves to hear himself talk. So Stealth, what does a couple do that bought a home they could afford lost their spouse now living on a fixed income, Medicare won't even pay the cost of that spouse's illness nor the supplemental insurance cover the cost? And Stealth if you don't give a sh--t about John says, why do you always have to post something after him?

You are clearly a very emotionally disgruntled person Stealth. However, you are apparently incorrect again, because it is readily apparent that you do care what I say. Otherwise, I would suggest you might not leave such an emotionally disgruntled statement. I knew you would not be able to resist responding, which is exactly why I had left the comment. You see, this is because each time you leave a comment, my people get closer and closer to finding out where and who you are. I am sure you do not believe me, but I am also sure some of these people here have actually seen me do it before. This is because not too long I posted seven people's names, phone numbers, addresses, pictures, work address, work phone numbers and even their check numbers. That is always the fun part too, because all the sudden ### talking seems to stop, simply because you are nothing other than fake Stealth. A fake who hides behind their computer, while you try to bully decent people. You are probably not much to look at either, which might explain a lot of your unhappiness.
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It also appears that you are wrong again with your facts about people caring about my site too. You see, I have displayed my sites tracker on my blog. This tracker displays that the House of Reps, United States Senate, Bank of America and 37, 000 other people seem to disagree with you. If you are talking about the people in this room...you would be wrong again. This is because who do you think brought them here stupid. You see, they come to see the show, but you do not even realize that you are the star yet do you? However, I like to play with my food before I eat it.
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If you are so right, why are you so miserable and I am so happy?
I will say it again:
In the end, I think everyone here agrees with the fact that it does look like Stealth might have brought a knife to a gun fight (wink).
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My name is John Wright AND I AM FIGHTING BACK THE LARGEST BANK IN THE WORLD!
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John Wright
piggybankblog.com

I am still trying to understand how Isabel putting the word "alleged" in a press release is to be interpreted as her trying be more creditable (lol)? Nevertheless, why would it not be interpreted as Isabel trying to get the word out about her lawsuit? Therefore, I suggest that Stealth has no evidence at all, if this is all they have to say at this point (lol).
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I also do not think that anyone here is interested in trying to change Stealth, but I do think they have come here to expose that Stealth likes to speak about all things they know nothing about, while they appear to be nothing other than bully.
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In the end, I think everyone here agrees with the fact that it does look like Stealth might have brought a knife to a gun fight (wink).
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My name is John Wright AND I AM FIGHTING BACK THE LARGEST BANK IN THE WORLD!
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John Wright
piggybankblog.com

Wow Stealth! You comment on a huge number of posts(and it is your right), but you got your ### handed to you on this one!

You should stick to the Fast Food category and Walmart complaints.

Again, just my opinion. lol

Oh that is okay "I like cookies, " as I have made the same mistake before by posting before I proof read. We all do it :)
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Well, in Isabel's defense, why has everyone automatically concluded that she bought a house that she cannot afford, simply because she applies for a modification? This is the problem here, simply because the banks have put out a press release that said "The people are just as much to blame as the banks, " people are repeating that very well planned press release.
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The fact is that what the banks did hurt the masses of people who could afford their houses, by giving the ones that could not afford their houses a loan they could not afford. This is the old argument of who do you blame? The drug user or the drug dealer? I can tell you right now that the majority of those people were led to believe they were going to make equity on the house by these banks, while the banks new they were going to lose their equity. So these people were not irresponsible, but were "investing" into something that was being presented a good investment by the banks, but all while the banks knew that what they were saying was a lie.
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These people are not to blame as much as the banks. The banks must be held accountable for their crimes, and comparing what these people did to being the same as what a criminal did, simply is not correct.
So that knee jerk reaction that says "the people are just as much to blame, " is simply not a true statement, if you study the dynamics of what these banks really did to these people.
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My name John Wright AND I AM FIGHTING BACK THE LARGEST BANK IN THE WORLD!
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John Wright
piggybankblog.com

I did not work in a bank I worked in a computer center. I have never worked in a bank and no I dont know why american jobs are being shipped to other countries while CEO's are making millions. While I worked at the bank the CEO made over 200 million. So if your job goes to India you wont be surprised. I am a veteran and worked with other veterans who were laid off and watched their jobs sent overseas.

Having slept on this, it came to mind that I should probably mention something ... and to all posters, not just Stealth. Generating shouting matches and name-calling is playing right into the hands of these powers. "Divide and conquer" is never more true than today. If we are one nation, we should behave like we are, and self-educate, not ridicule, belittle or demonize each other. Sure, we should have healthy debate to pull things out in the open, but the simple fact remains that if all we do is bark at each other, we let these insidious powers behind the curtain maintain control. For Stealth (that is if "Stealth" is your real name ... *smile*), his life is literally structured by "authority" he has no control over, up to and including being told kill people. He has to accept the authority ... but we don't. We can openly question and challenge it. However, as long as we fight amongst ourselves, venting our emotions on each other, these "authorities" win ... not us. That's BACKWARDS ... and even upside down. Stealth ... you have every right to speak your mind ... and we (I'll be bold enough to speak for the American public) shouldn't silence you with phrases like "shut your yap." I would only caution you to have your facts straight and set an example of wisdom coupled with knowledge rather than emotional venting or even rhetorical regurgitation ... which is advice we can all relate to. I hear a LOT of fist-pounding online, and from all sides. But it's a complete waste of time ... AND ... plays right into the hands of those who would rather see us in chains ... not physical chains ... but the chains of senseless bickering. Educate each other folks ... and stop throwing emotional stones. Otherwise we're lost.

Recall the TARP fund? It was a $700B bailout to the large banks and particularly AIG. AIG was/is an insurance fund which insured all of the mortgages in the structured investment vehicles against default and foreclosure and because these mortgages had been sliced and diced seven ways for Sunday, each mortgage was actually insured four or five times over. When the mortgages started to default and foreclose, the insurance companies ended up paying 100 cents on the dollar on these insurance policies they wrote to companies such as Goldman Sachs, Wells Fargo, Bank of America, JP Morgan Chase and others.
It was the TARP money, the taxpayer’s money passed through AIG which bailed out the banks.

Obsessing a bit aren't we Stealth? I sense a bit of fist pounding. The fact remains that the paradigm you perceive is not the paradigm that exists. Frankly, we NEED you ... and people like you ... to understand this, despite your relentless pursuit to "convert" us. WE understand it, having lived it. However, the water is right in front of you. We can't shove your face into it. If, in fact you are pounding a fist, it's in vain ... since facts is facts. Sleep well.

Bank of America Corp. was the second biggest recipient of federal bailout programs in the financial crisis, according to a report issued Wednesday by a congressional panel.
The U.S. government had total exposure of $336.1 billion to Bank of America through eight major programs, including the Troubled Asset Relief Program, according to the final report by the Congressional Oversight Panel. Citigroup Inc. had the largest exposure at $476.2 billion. The tally includes $45 billion in TARP funds that Bank of America has paid back. For seven other Federal Reserve and Federal Deposit Insurance Corp. programs, the Congressional Oversight Panel counted the highest monthly amounts of loans and debt outstanding.

The following video is less than 5 min. long, extremely educational and easy to understand; even Stealth Pilot should get it :)
Congressman Michael Capuano nails WallStreet Crooks http://t.co/5SId0EF via @youtube

Interesting. Such classic rhetoric. Sadly, you take your training too far and let it bleed into your personal thoughts. Chiming in again is a great pleasure for me, since now I consider myself to have another (psychological/emotional) notch in my belt over you merely by reading your rhetoric, as well as further understanding your untenable position. You used the magic word ... "deadbeats." That's the center stick to every other maneuver you have, but it's flawed. In fact, it's not flawed, it's false. The percentage of "deadbeats" in this nationwide confiscation and [yes] conspiracy is MINUSCULE and the banks are even going after people with credit scores in the seven and eight hundreds. They simply don't care. Just an INQUIRY makes you a mark, then they lead you down a road that crashes-and-burns your credit, self-esteem, savings AND trust in the institutions this civilization was built on. And they LIE to do it ... research, research research. It's out there. No, "Stealth Pilot" ... you're at 40 thousand and your HR Infrared shorted out. You're flying blind. Your com chatter has been pumping garbage into your highly disciplined brain cells and you're spewing garbage right back out. Again, please, for your own sake and for the sake of the country you (allegedly) protect ... get your facts straight ... or shut your yap.

you have posted many opinions here, i looked at your profile seems you like to complain about everything !
I do have an opinion on the military cause my father, brother and husband won your freedom too,
freedom to complain about any dam thing i want. your military command makes the decisions not you so dont come here acting like your special. you just take orders. here's an order young man EDUCATE yourself before you open your big mouth.

Oh yes they did take money bailout money AND tarp money yes they paid it back but they made millions off of it. are you really that stupid to believe that there were no strings attached? they were given that money to USE to help struggling homeowners... which they helped themselves to. It was NEVER written as a loan it was written as bailout money ! it was called HAMP and for your information, the program is a failure because the banks never wanted to help anybody. they wanted to use the money to make themselves money...which the record shows they did make a LOT of money from it. you need to educate your self on the realities of the truth.. and maybe chase down some of the links provided for you to KNOW what your talking about!

One of the only reasons I'm piping in on this is to respond to "Stealth Pilot." Harsh words from an individual that's supposedly in one of the most highly respected positions in the military, as well as someone who is supposedly highly educated. Well my friend, it is readily apparent that you are in no way educated on the nationwide ponzi scheme unfolding before your very eyes. What were you trained in? A T-6? And when you stepped into the cockpit didn't you have a bit of background on the aircraft before you did? Perhaps you should apply the same discipline to this subject before you bruise your fingertips banging out things you know nothing about. Personally, I am well on my way to a Master's Degree (or MEI license if you like) in the subject of these bank scams after nineteen months of study and deep research, which I have been forced into out a sense of survival, yet taken to heart. I've been struggling long enough with this particular "yoke" to fly circles around you. You are simply wrong in your assessment, my friend. In a nutshell, there is literally ... not theoretically ... an active [yes] conspiracy to confiscate as much private property as possible in this supposedly free constitutional republic in order to turn a maximum profit in the shortest possible time ... right now ... as we type to each other. It is real and it is happening. Sadly, it's not the only "conspiracy" at work these days, since the liberties you put your life on the line for (supposedly) are being eroded by a corporate and governmental agenda unparalleled in human history. So ... "Stealth Pilot" ... take your head out of your ### and look through the canopy. You're about to get a bird strike, and it ain't no bird ... (and is that my Florida Isabel? A TRUE American Patriot?) - Don S. - Pennsylvania

we all know that the banks are a hugh prob, read the papers or check the news sites on the web they are all over it and their lying ways they have screwed everyone from bank fees to foreclosure and protecting their own with out any consideration of the people that gave them the bailouts, they knew this was coming since 1997, and they have been trying to cover their ### ever since. they are crooks ! they have applied $3600.00 to my account for insurence even though my insurence company has sent them the proof (3 times) that i already have insurence ! they lie ! now they are trying to blame everyone from the president to the consumer for their fraud, come get a grip !THE SYSTEM IS BROKEN ! time to fix it and the banks need jail time and hugh fines! otherwise this country is in for the biggest failure yet ! you could be next military man !

bank of america doesnt care about there customers, you shouldnt sit back you have to contact the credit buers or it will stay on your credit. get something in writting from boa explaining what happened. but it will take at least 30 days

Rest in peace Dianna Wells we love you and will miss you deeply.