Bank of America

This BofA mortgage issue started with my inability to pay the property taxes on our house because of severe reduction in wages, I DO take FULL responsibility for the problem but sorting through the solution is the challenging part - (our taxes and insurance were not impounded in an escrow account due to lack of funds on orig. purchase date in 1999 – we have a decent loan at 5.87 fixed APR over 30 years so it was not a ‘bad’ loan problem) and I had missed 3 tax payments as of Jan 2010– I had approached the County of Riverside CA property tax people who indicated that until the 5 year point nothing happens from the state concerning the property – as long as we can be current before the 5 year point then there should be no issues – at this time our mortgage was with Countrywide –
shortly after Bank of America took over Countrywide mortgages we got notified of the following:
Feb 2010, BofA paid a $4988 Riverside county tax bill
March 2010 – got a letter from BofA saying they paid additional house taxes for this past year as well – now all caught up – also they will be paying our insurance as well (their policy, if they pay taxes then they pay insurance also – doesn’t matter that we are completely caught up on insurance…)
March-June: various phone conversation with BofA CR reps concerning payments/options/etc (in April we got loan mod paperwork which was sent back (docs package complete) in late June)
May 2010 – escrow account was reviewed and house payment adjusted – old payment (P&I only) was $2123, new payment with all escrows included and amortized over 7 months (to be clean by year end) is now $3944
June – did not complete new $3944 payment (paid normal $2123 plus paid $1K more attempt but could not swing the $1800 addition to the payment)
Called July 19 – “BofA received mod docs on 7/14 – processing, check back in 30 days”
I was told “we suggest you keep paying what you can during the review process” so I never changed the auto house payment of $2123 from Union bank account
Called Aug 18 – “assigned to underwriting 8/2 but not yet assigned to underwriter, once assigned to underwriter will take 30-45 days, check back in 30 days”
Called Sep 8 – “you can’t be in two programs at once so payment plan set up in June is cancelling due to non-payment, your account shows escalating to ‘trial modification’ (3 month program) – should be assigned to underwriter this week, call back in two weeks”
Called Sep 16 9:46am – “still with underwriting, continue making payments as you are (best you can), your account is now in ‘pre-foreclosure ‘ so you will get a certified letter every 30 days, each time we accept a payment it starts again so your new foreclosure start date is Oct 16”
Called Oct 14 11:04am – “as of 10/13 assigned to underwriter, Dec 13th is expiration on processing (60 days)”
Got a ‘certified letter’ from BAC – announcing “intent to accelerate” loan – meaning foreclosure ‘officially’ started
Oct 21 got a new RMA package from BofA from FedEx – completed and sent back Oct 22
Oct 22nd, got a second ‘new’ RMA package from FedEx – exactly the same as the one from the 21st but different return address – also completed and sent back Oct 26
Called Nov 10 11:26am – “Active review status, no updates at this time, no estimated time frame at this time, check back in two weeks”
Got a call on my cell Nov 29 (from 805/000-0000) – “need a copy of a utility bill faxed a.s.a.p. for loan mod then your loan goes to underwriting for approval”
Faxed water bill on Nov 30 at 8:00am
Called Dec 7 11:15am – “you are in pre-foreclosure status, I show we need a recent util. bill, two months bank statements, two months’ pay stubs or unemployment docs, & 2009 tax returns – note, requesting this program does not guarantee acceptance, if you are not accepted foreclosure has already been started, fax docs to Shatina Allison, 800/658-0395 – her direct# is [protected] Ext 13406”
Left Shatina a VM message Dec 7, 11:35am leaving my cell# asking for a return call.
Got a return call from Shatina Dec 7th 6 pm, water bill will not work – need gas, cable, electric or phone bill
Faxed cable & gas bill on Dec 8th
Dec 13th – Shatina called to request pay stubs/new RMA doc and hardship letter, once received she can send the account to an underwriter – she followed this call up with an email confirming what she needs
Dec 14th – filled out all docs, scanned and emailed to Shatina
Dec 20 8:39am – left voice mail for Shatina
Dec 12 8:41am – talked to Status Dept – no other documents needed at this time – your account is under review – no ETA at this time but it is being processed
Dec 30 3:04pm – talked to Status Dept – account has been forwarded to underwriter Brian Eaton, the last time it shows review activity was 12/24 and this person suggested I also talk to the collection people @ [protected]
Dec 30 3:30pm – talked to Collection Dept – as per them the ‘Notice of Intent to Accelerate’ expired on Oct 16th, loan went into ‘Foreclosure’ status on Nov 8th but no sale date currently listed – payoff to bring the loan current is $10, 509 and payment is now $3455.59 – she cannot give me the underwriters number or email but if needed she can have him email me – he has the ability to stop a sale date if he believes he will be able to process the modification.
Jan 5th 11am, called Status Dept – still in progress, no additional docs needed – once underwriting review is complete hey will contact me
Jan 5th 11:12am, called Collection Dept – verifying amount to bring loan current – “10509 is not correct” more like $3455 x 4 but she will mail me a letter for the 401K people indicating exact amount needed – loan is in foreclosure status but no sale date is listed
Jan 18th 9:16am, called status dept Alexandra, no updates, no docs needed please give it some more time and check back regularly – I asked if a sale date was shown on the account she said ‘not at this time’ –
I then asked a payment question and she said she would have to transfer me to the retention dept, after transfer the next person verified my account info then said my account was being handled by a different dept, she gave me a different number, transferred me then I got cut off – redialed the 800/669-6650 #... got routed back to the status dept, the status person suggested I not put in my account# when asked but just push 0 otherwise I will always come back to status – I tried but by not putting in my account # the system would not forward my call and disconnected my call, I called back & this time inputted my account # - back to status dept… this time the status person could & did help;
Verified: $8561.80 in negative escrow, $13, 965.21 total due including late fees, new payment of $3455.59 includes neg escrow amount, P&I = $2123.63 + new escrow amount once - sale date of Mar 15th just posted… on Mar 1st or 2nd the status dept can request the sale date be delayed if it gets to that point…
If I bring the account up to date using 401k funds then the modification process and foreclosure process both stop…
Brian Eaton – underwriter – [protected] TX office, no email listed – no luck calling this number…

Jan 25th – called status dept 12:11pm, the gal I spoke to says “ I show we need two months bank statements for your file” – when I inquired about when this was posted to the account she could not tell me (I talked to status dept on 1/18 and no mention of this) and when I asked if anyone was going to contact me to let me know she said “I only take inbound calls” so I asked if there was an outbound call center and she said yes, but she did not know where they were, she only knows her job and that is to take calls 

Jan 25th 12:31 faxed Nov 2010. Dec 2010. Jan 2011 (3 months) bank statements to 888/258-7329
Jan 27th – Status check – talked to Ryan – the bank statement request still ‘open’ but likely being processed if you sent them – takes a few days – no further updates – I asked him to verify the sale date since I had gotten none, then Mar 15th, then Mar 12th in the past – he reviewed three different areas and confirmed no sale date listed anywhere on the account – no notes saying removed sale date but he stated he would not expect any notes to that effect unless it had been formally requested – he doubled checked and shows no sale date at this time
Jan 31, received a FedEx at home from BofA (enclosed letter dated Jan 28th) requesting ‘most recently completed federal tax return’ -
Feb 1st -faxed in all copies at 11:00am, called for status check at 11:24am and was told ‘just waiting for underwriter’ no further documents needed at this time
Feb 9th – I called and stated I am checking status of the modification - “I show your account is in foreclosure at this time, how may I help you?” I show you are 5 payments behind at this point, why are you behind? I am checking status… “Please hold”
She came back and said the account says “we are waiting for some financial docs to be completed by you” I inquired as to what docs because I have been sending stuff every week – she put me on hold while she reviewed the account then came back and told me she was contacting the ‘vendor’ who was in charge of my account – please hold (total hold time approx. 19 minutes)
She came back and said – the reason the tax docs are still ‘pending’ is the copy I faxed previously were not signed – please sign and re-fax a.s.a.p.
Feb 10th 10:10am – refaxed 2010 tax returns with signature (I had ‘re-printed my taxes from TurboTax and yes, they were not signed)
Feb 12th 9:30am – status check call – now I need to fax the following as soon as possible;
2 of my latest pay stubs, a signed IRS form 4506-T (avail on IRS.gov), and a current RMA form page 2

Feb 14th 8am, faxed all of the above forms to [protected] as requested
Feb 21th 9:30am – status check – still in review – I need to download a ‘Dodd Frank Certificate’ and fax it to [protected] & [protected]
There is a sale date on the account of 3/15 and I need to call 14 days prior to request a postponement
Feb 21st 6:05pm, got a call on my cell from Valarie Gonzalez, 888/325-6430 Ext 48866… she is now assigned to my mod and needs Pay stubs, 4506-T IRS form, & 2 months bank statements faxed asap to 866/631-2857 so she can get it to underwriting and postpose the sale date – she works in Simi Valley and is in from 3pm to 11pm PST if I need to contact her
Feb 22nd faxed all docs requested (pay stubs, 4506-T & 2 months bank statements) at 7:20am, (also faxed the Dodd/Frank doc to her & to the number requesting it), I called Valarie at 3:30pm and she stated she had received all the docs requested and had forwarded them to underwriting @ [protected] – I will have to check back in a few weeks, I reminded her that our sale date was in a few weeks so she said maybe check back in a few days – Friday 2/25 would be good, so I called the number immediately and was told underwriting has all the docs they need – call back on Mar 2nd to postpone the sale date
Feb 26th – called for status update – as of 2/24 loan is out of underwriting and with QC – QC has up to 30 days to process but usually much quicker – they will contact you and start a 90 day trial mod – just continue checking in regularly for more info – you will be contacted by the QC people at the conclusion and receive a FedEx package with a trial mod agreement to fill out
Feb 26th, called cust service @ [protected] EXT 808196 to ask about amount to ‘catch up’ loan, and how that amount added up… $17, 228 + Feb payment is behind, current payment is $3455.59 – there is a $8561 neg escrow account that is bumping your payment up – ‘normal’ payment would be $2648 with P&I + tax and ins ($2123 P&I) – so after approx.. $20, 000 (inc late fees and Feb) and the $8K neg escrow I can call cust svc and request loan/escrow be reviewed which he can do on the spot to adjust the payment back to normal
Feb 28th 11:20am – status check – with QC, check back in a couple a days, you can request a sale date postponement on Mar 1st
Mar 1st – reached Daniel at 7:29 (status dept) - he said no additional info needed, MaryAnn is the underwriter assigned to the account at this time, he can request a postponement today since it is 14 days away from sale but it is not guaranteed – your account is with QC at this time – he submitted the sale date postponement email to underwriting (“it should go through since your loan is in QC but don’t quote me on that”) but he could not forward me a copy of the email – just check back in a few days
Mar 1st – 7:42am called BofA office of the CEO [protected]) and asked for a manager to discuss my loan mod
Jason Phipps handled the call at this point – he said he could see the request being filed – he created a file so he could link it to our account and be notified as soon as it was processed – he took my cell and said he would call on Thurs. or Fri (the underwriter & investor have 48-72 hours to address the postponement request) he said that a loan in QC should not have a problem getting a postponement approved – usually a 30 day postponement is the norm – he has only seen 2 or 3 disapproved and they were because of multiple loan mods denials and re-requests – yours should be fine at this point
Mar 2nd, 12:30pm – called status dept, no further docs needed, no change to sale date at this time – 1st thing they post is a note confirming request for postponement and that is not yet on the account
Mar 3rd 7:40am, called status dept, no further docs needed, no change in sale date at this time – still 3/15
Mar 3rd, 4:42pm, called status dept – Desiree said I need to speak to the negotiation dept at this point – my loan has been assigned a negotiator - #800/669-2443 ext #2773 & she transferred me - #2773 was not in so I got forwarded to the next avail. agent – Matt – he stated my loan had been assigned a negotiator on 3/2 & his name is Luke Mai. He is not in so let me try his supervisor Sabina Murshedi, she is on the phone and we tried holding for 8-10 min but still on the phone – Matt took my cell and emailed Luke to call me in the morning – Matt cannot see the sale date listed at this time although he said there is some date of 3/5 listed but that can’t be right – must be a mistake – he said a loan at this stage is pretty much approved and no sale date should be assigned – but QC sometimes takes up to 30 days to review
Mar 4th: called negotiation dept 800/669-2443 ext 2773 8:20am – was told my account is assigned to Luke Mai, let me try his extension… he is not it would you like him to call you back – I left my cell#, sale date of 3/15 is still posted to the account
Mar 4th 9:16am, got a call from Luke Mai, as of the 24th your loan is out of underwriting and assigned to me. I work with the investor team and the QC analyst to get the mod finalized. Your mod is a ‘Making Homes Affordable’ mod which is a US Gov. backed program. If for some reason you do not qualify for a MHA mod then I will work to get an internal mod processed.
I asked him about the sale date and he was submitting for a postponement today – I told him I did this on Monday and he said that is fine, he will follow up with a request of his own – we should know by mid-week next week.
Luke Mai 714/987-5026, [protected] ext 14599, fax 866/358-7651 email luke.[protected]@bankofamerica.com
His partner 714/987-5025
His boss Sabina Murshedi 714/987-5036
Per Luke, he is the point of contact for any questions or concerns – he will be handling this process personally from this point forward – if I have any questions please reach out to him
Mar 5th LM for Luke Mai 9:48am
Mar 7th LM for Luke Mia 3:14pm, called all phone numbers listed and his partner Fatina Abual
Mar 7th LM for Jason Phipps at office of CEO at 4:51pm with Andrea Lowery
Mar 8th, got a call return call from Jason Phipps at 10:10am, he reviewed file and stated sale date had been postponed til 4/15 at 10am, he cannot email or fax me confirmation – the foreclosure attorney will mail me confirmation within a week or so – I expressed my concern about having something tangible concerning the sale date and he said he would look into it – if he could get something he would overnite it to me
Appraisal conducted - Mar 9th CE Elliott – paid $300 cash – got this done for potential pending CH13 filing
Mar 9th 9:15am LM for Luke Mai
Mar 9th 9:30am attempted to reach Luke (714/987-5026 & 877/430-1431 ext 14599) Fatina (714/987-5025) Luke’ s boss Sabina (714/223-8570) also Fatina’s boss George [protected] ext 14547 & 714/223-8356)

Mar 9th 11:44am – got a return call from George (see above) and he said he had forwarded my info to Luke and Luke was on the phone but would call back within the hour
Mar 9th 12:10pm, got a call from Luke Mai – Luke said he was able to get the sale date postponed til 4/15 but he could not send me any info in writing – the investors attorney would be sending me written notification within a week – I expressed concerns over the lack of any kind of verification of the sale date and after putting me on hold for a bit Luke came back on and gave me the following info: the Trustee Div of Ca Courts automated phone line: 800/281-8219 and by using our trustee sale # (found on any of the docs sent to me recently from Recon trust) TS# [protected]
Mar 9th 12:50pm, I called the trustee phone number and using our sale# the system confirmed ‘postponed, new sale date 4/15’
Mar 11th, 8:11am, I called the trustee phone # and got the same info as above
Mar 11th – 4pm - got a Fed Ex letter stating load mod was denied due to income being $9316.22 and my payment not exceeding 31% the Home Affordable Modification program stipulates so modification was denied – (note – the current payment of $3455((as per BofA)) exceeds 31% - the 31% =$2888 and we ARE above that plus you can add in HOA fees which = an additional $140 or a total of $3595)
Mar 12th – 8:05am LM for Luke
Mar 12th 8:50am called 888/325-5399 as listed on the FedEx letter – talked to Christina who said our account is flagged as ‘discuss with Luke only’ she attempted to reach him but he was not in – she agreed that the math did make sense – she suggested I fax an appeal letter to 800/520-5019 and talk to Luke as soon as possible – she emailed him to call me on Monday am
Mar 14th (Monday) – 7:48am LM for Luke
Mar 14th – 12:10pm contacted Wells Fargo for info concerning 401K hardship withdrawal – Wells people say approx.. 5 days to process once they get the request – I can overnight the form
Mar 14th – 4:28pm, called Sabina [protected]) – (Luke’s boss) – Luke is on vacation this week – she will be filling in for him – she does not show that a denial letter went out? I told her I have it in my hand dated 3/10 shipped overnight – she put me on hold for 5 min and came back with the letter – she reviewed my gross income and expenses – reviewed the house expenses and she concurred that with the house, the second & HOA fees we have a payment of $3803 which is 40.8% & that as a percent of gross income is more than the min of 31% - she is filing an appeal letter in the morning and will re-contact me on Tues the 22nd – I discussed the need for a reinstatement letter in case we need it as a backup plan – she reviewed the account and currently shows $20861 due in back payments & $8561 in neg escrow – she needs to research to see if the neg escrow can be included in the reinstatement amount – she will process a.s.a.p. but at the very least will update me on 2/22

Mar 18th – called Sabina 1:30pm – she has submitted the appeal letter and expects to hear back on Mon or Tues – nothing new at this time – sale date 4/15
Mar 21st – LM for Luke Mai – 8:29am
Mar 21st – LM for Luke Mai – 3:10pm
Mar 22nd 9:15am – LM for Sabina
Mar 22nd 9:35am – LM for Luke Mai
Mar 22nd 9:41am – called trustee sale phone line – sale date of 4/15
Mar 22nd 11:14am – Sabina called, she has the 401K letter done – it is at legal and will be fed-ex’d Thursday – sale date is now May 16th and she should know more on the appeal on Thursday or Fri
May 22nd 6:10pm – called the trustee sale phone line – sale date of 5/16
Mar 30th 10:40am LM for Luke Mai
Mar 30th 10:42am LM for Sabina Murshedi
Mar 30th 1:48pm got a return call from Sabina – sale date still May 16th, nothing new needed- still in ‘appeal status’
April 1st got a call from Marlene Estrada on my cell – she is my new negotiator (she left this on VM for me) and she left her # of 877/430-1431 Ext 14117 and suggested I return her call at some point – she is just calling to introduce herself
April 5th 12:35pm – left a VM message for Marlene
April 5th 1:41pm – got a return call from Marlene – she has been assigned my account from Sabina – the account is still in appeal status and the sale date is still May 16th – she will be following up in the next few days with any updates
April 6th 1:35 pm, got a VM on my cell from Sabina Murchedi saying she was following up on our previous calls
April 7th 3:39pm, I returned her call but she was not in
April 12th 8:12am, left Sabina (714/577-1791) a VM – checking on status
April 12th 11.10am, got a return call from Marlene Estrada – advising that ‘Making Home Affordable’ appeal had been denied due to income to house payment debit ratio being less than 31% (the minimum) when Sabina and I had done the math and came up with 40.3 % which is why we submitted the appeal – Marlene is requesting actual figures used since all they had listed was an income (gross) of $9271 and ‘after not considering the HOA fees’ (which according to the MHA docs they are supposed to consider) the percentage is less than 31% - she will see if she can process something ‘in house’ and request further info from MHA and she will contact me next week
April 15th – got a FedEx letter from Marlene with a blank ‘Making Homes Affordable’ RMA form, a blank ‘Personal Budget’ worksheet, and a request (again…) for two pay stubs, two recent bank statements, a letter of explanation, a recent utility bill, a list of expenses and HOA proof…
April 19th – 9:02am – LM for Marlene
April 19th - 9:49am – Marlene called back – no new info – she has not heard any explanation from MHA as far as how their math shows less the 31% - we reviewed the numbers again and she is understanding but is NOT a mover / shaker by any stretch – she will attempt to re-contact the MHA people for further explanation and/or details – sale date is still 5/16 but she can request another extension
April 21st 8:38am – called Customer Service dept to get reinstatement figures – got a fax for reinstatement totaling $28, 836 but this does not include escrow – then transferred to escrow (800/669-6607) who told me neg escrow is currently $10, 958 and she will fax a statement but this figure cannot be included in reinstatement letter (even though it was included last time… Mar 22nd)
April 25th – 8:31am - Called cust serv. to attempt to get a reinstatement figure/letter including the neg. escrow amount of $10, 958.29 – cust serv could not help me and transferred me to the foreclosure dept – held for 2 min then call dropped
April 25th – 8:40am – called collection dept to ask the same as above – automatically forwarded to modification dept – modification dept can only ask for a reinstatement letter, they cannot include the neg. escrow amount – she said the escrow people may be able to do that – she transferred me to escrow dept – the escrow people say they can only send me an escrow printout – they have nothing to do with foreclosure...
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April 25th – 8:55am – faxed 401K Hardship Withdrawal application paperwork – called to verify that it had been received – 5 days to process check, they will overnight it to me, I talked to my local Wells Fargo branch (where I have an account… and my 401K is with Wells Fargo Retirement Services) and they will not put a hold on it so for a small fee I can overnight ‘certified funds’ to the BofA people and be DONE!
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April 26th (ok, decided maybe not done… I will try a call or two to the MHA people on a contact phone number listed on the decline letter) 8:15am – called 888/325-5399 – which turns out is actually BofA modification dept – talked to Claudia who while reviewing my account the phone call dropped?... called back and got Jasmine who reviewed the information & we discussed the denial letter stating that we were less than the 31% min so did not qualify when in fact the math (using their numbers as stated in the letter) and said that she can see the orig. appeal which was approved on April 1st (due to housing cost equaling 37%) but then denied on April 7th but no reason indicated
April 27th 7:50pm, called modification number (same as above) and spoke to Matt, Matt said he can see the MHA appeal was submitted on the 26th and no update yet, try back on Friday – sale date of 5/16 and we can submit for a sale date extension 14 days prior so 5/2 we want to request that extension.
April 29th, 7:38pm - Called modification number again – no update at this time I should try back on Monday May 2nd
May 2nd 4:07pm, called Larry @ modification assistance (888/325-5399) – no update on the appeal notated at this time on the account – it still shows we are reviewing other in-house bank modification options for you – BofA is experiencing some computer software issues in our appeals area so this could be affecting your appeal – I would check back on Thursday or Friday
May 3rd 9:25am called Marlene for status check on appeal from MHA – someone picked up but nobody there – faint voices in background – redialed: talked to Marlene, she has not heard back from MHA concerning explanation of the denial – she is re-escalating the MHA request and submitting for an extension on the sale date (it is obvious that the notes she is reviewing have noting in them concerning the appeal that the cust svc people submitted for me last Mon/Tues – they must have multiple files for me)
May 3rd 1:38pm called ‘modification assistance’ one more time (Marlene, with all her good intentions, sounds like she is ‘out to lunch’…. so I wanted a second opinion) – this gal I got was pretty spot on but said the following:
A) They (BofA) now have a “sale date extension team” & their job is to automatically process sale date extension requests on behalf of the homeowners if the account appears to warrant it – the downside is that the extensions cannot be manually processed until within 3 days (just to catch cases that slipped though)
B) My account shows that I had already talked to Marlene today and she was escalating the appeal concerns – multiple people submitting for these will complicate and slow down the process
C) She said that the appeal will probably take a few more days to process
D) She also confirmed that the reinstatement amount expires on 5/5 and if the check shows up after that it would likely be returned because it would be a few dollars short which would not be good – and she confirmed that the reinstatement amount of $28, 836 includes the neg. escrow amount (it includes 8 payments of $3455 of which approx. $1200 is escrow monies) so after paying that $28K amount our escrow account would have a few hundred left negative.. which would be ‘normal’
E) Lastly she suggested NOT waiting til’ 5/4 to overnight the reinstatement amount just in case – she suggested today would be way better to send it so… I had a ‘cashier’s check’ cut to BofA and overnighted (UPS #XXXXXXXXXXXXXXXX) to the BofA address indicated on the reinstatement fax (shipped on 5/3 to LA BAC address - )

Done – one year after starting this process……. and sadly, I still have no answer why MHA denied me (see March 11th above) based on the fact that the math indicating why we were denied (in the denial letter no less) did NOT equal the amount that would have given them cause to deny – whatever … done – paid my $30, 000 from 401K retirement in order to keep the house – the “Making Homes Affordable” program is NOT user friendly, BofA is out of control on stringing people along through this process – I take full responsibility for getting us into this mess but… I really feel for people without the resources to be able to fix the problem themselves because it seems virtually impossible to rely on ANY government program as it applies to housing/loan assistance if you put the bank in as a middleman….

May 4th, 10:47am: Got confirmation email from UPS that over-night letter was received at BAC office and signed for by Aldaz – I will follow up in a few hours to verify it is being processed
May 4th 1:54pm – no update, call back tomorrow and the check should have been processed
May 5th 10:12 am - check has not posted, I was advised to call the bank that issued the check to see if it had been cashed (Wells Fargo) – so I did and the check had not yet been cashed – I called BofA back and this person said it takes at least 48 hours to process but will be stamped with the proper arrival date “don’t worry”
May 5th 1:18pm – no update ‘sir, it takes a while to process the back payments and credit the check to the right accounts’…. So during this ‘processing’ nobody notes the account that the check has been received? ‘no they do not’ - nice
May 5th 4:12p, – no update, check still not posted, spoke to Tiffney [protected] ext 8502) who seemed sort-of knowledgeable and concerned & she said she would continue checking on the account and notify me as soon as the payment posts – she actually left me a VM at 6:59pm (end of her shift) to say the payment had not yet posted
May 6th 10:42am – Tiffney called to say that the check did post to the account this morning and it would take approx.. 48 hours to process and clear the account – she said the escrow account review will happen automatically and my new payment with P&I and escrow should be $2600.37 and will be due June 1st
May 7th – 9:44am – called cust svc line of 800/669-6607 – anything I ask for on the automated attendant says ‘I am sorry I cannot help you let me get you someone who can help’ – then after a 2 min hold I get dropped – this happened 4 times before I switched to 866/422-5871who then told me the payment had not yet been processed – call back on Mon or Tues
May 9th 11:07am, called cust service 866/767-4104: payment not yet fully processed, account is still with negotiator Marlene but when asked about the approx... $8500 paid and not credited to the account (Oct, Nov Dec & Jan payments of $2124 totaling $8496 – paid after foreclosure started and posted to a ‘partial’ or ‘holding’ account) she asked that an account history be faxed to me – she also said I can get account history info on-line but when I went on-line the account is still in the ‘information blocked due to non-payment’ mode so I cannot access it – once I have the history I can follow-up with ‘payment research’ dept [protected]) – then she transferred call to foreclosure dept – I left VM message for Marlene
May 10th 9:36am – Marlene called to say the account now shows ‘0’ so that means everything has been processed and will no longer be assigned to her – she is still looking into the MHA decline and has escalated the question twice – she will still call me if she gets an answer – otherwise my contact should be cust. service @ 866/767-4104 – Marlene says she show payment should be P&I of $2123.63 with escrow amount of $1331.97 but I can request a review from the cust svc people now that the account is caught up. Marlene also said the sale date is one off the account at this time.
May 10th 9:51am – called cust svc 866/767-4104 and they told me my account was assigned to a different dept and transferred me – this person looked into my account and said my account is assigned to Raquel at Fannie Mai 877/430-3404 and I should talk to them – I called Fannie Mai and she said my account shows assigned to a negotiator Marlene and I should contact here – I expressed concern that this was my 4th person to talk to today and Marlene had already said she was not my contact – Raquel took down all my info and emailed her supervisor to try to sort this out – I should be getting a call within 24 hours from her supervisor. –
May 10th 10:41am – called trustee sale hotline 800/281-8219 for TS# [protected] – sale date is May 16th at 10:00am and now has an opening bid listed at $221, 500….
May 10th 10:45am – called Marlene back at 877/430-1431 ext 14117, left VM message concerning sale date info and multiple rerouting of any calls I make to the cust svc dept.
May 10th 10:51am – called cust service at 800/669-6607, Laquenita cannot help me but will get me to someone who can…. 7 min hold…. Got April on the line from Tennessee who knew her stuff… finally…. - she says reinstatement could take as long as 60 days to get completely sorted out as far as payment postings, etc. – she shows no sale date listed on the account at this time – she suggests that I fax in an ‘op-out’ letter to 800/520-5019 so the mod process will stop and my on-line access will be reestablished – the account is coded in a way that blocks some applications within BofA.
She transferred me to Janna from MHA decline dept – Janna reviewed the account info and the decline info - $3455.59 house payment with P&I&escrow with gross income of $9316.22 = 37.1% ? she did not understand it and transferred me to a supervisor
Next I got Craig (MHA supervisor) who did the math and agreed – we have an issue here – he is resubmitting to the review team & will contact me on Friday the 13th to advise – note: Craig is in a ‘call out only’ office so I cannot contact him – I gave him my cell # so I had no chance of missing him
Friday came and went…….. no contact
Thurs May 19th…. No contact
Tues May 25th… still no contact
Tuesday May 25th, 11:22am, called cust service to inquire about my payment amount & date – on Sat I received my first mortgage bill from BofA in 5 months or so – it states payment is $3455.59 but I had been told since reinstatement check included all the neg. escrow the payment would change to $2600.37 (see May 6th.. above) - cust service can’t help me because my account is assigned to the cust assistance team – let me transfer you…. Cust assistance team said my account is assigned to negotiator Marlene so she is the only one who can discuss the loan with me – I said the last time I spoke to Marlene she stated she was no longer assigned to my loan sine the reinstatement check had been processed. He said he could not help but he could email her and her boss to contact me immediately – whatever…
Tuesday May 25th, 11:48am, called cust service back and told them not to transfer me to cust assistance or to Marlene – just tell me what my payment is please – she said it looks to be $2687.44. I said my bill indicated differently and she said cust assistance or Marlene would be the only ones to tell me exactly what the payment is…. And she suggested I pay what is on the bill 
Tuesday May 25 2:44pm, Marlene called; she has no idea what my payment is – she can reach out to escrow and call me back on Wed. to give me an exact number
Never heard from Marlene…..
Thursday June 8th, called customer service to verify payment amount and was told I need to speak to Marlene for info on this account – I explained that Marlene 1st does not have a clue what my payment is and 2nd, she won’t call me back- after a 5 min hold I was told my payment is $2687.44 - so I paid $2700 via Union Bank electronically sent on 6/8 (payment is due on the 1st and late on the 16th)
Tuesday June 14th, got a FedEx letter from BofA modification dept denying my appeal for the Making Homes Affordable program dated June 13th? – I called customer service to verify payment was received and posted to my account properly, the gal I got on the phone cannot talk to to me about my account – I have to speak to my negotiator – who she says someone named Sara (I have lost count but approx.. my 5th negotiator during this process… 2 of which, including Sara, I have never heard of or from…) so she sends Sara an IM but Sara does not respond so all she can do is email Sara and have Sara call me – what is my best contact number?... this is almost funny…. So I kinda go off on this poor gal saying I just want to know 1) did my payment post to the account and 2) what is the exact $$ amount of my monthly payment and 3) how can I get these BofA MHA denial letters to stop?
She somehow looks up the account and says my payment is $3455.59 (per the ‘payment coupon’ screen) and she shows my $2700 payment being received on the 13th but it has posted to a ‘partial payment’ account pending receipt of the other $755.59 (which is due by the 16th or late charges will apply…. Nice!) – she transfers me to her supervisor Adam: Adam verifies her $$ information and says I really should have gotten a payment coupon cause he can see it in the system – he has no idea why anyone would have told me $2687.44 because the payment is clearly $3455.59, my escrow account was reviewed on May 16th following the reinstatement – the escrow changed the payment to $2688 but not til’ July 1, the June payment is still the $3455.59 figure so I am behind by the $755.59 amount – he will also forward an email to MHA to stop sending FedEx denial letters if possible.
Wed. June 15th 2:45pm, I called Cust Svc to pay the $755.59 via debit card – I explained to the gal that my payment was a little messed up due to confusion on BofA’s part concerning my payment amount – so I had paid $2700 but apparently was a bit short – she pulled up the account and she said yes a bit short but only by $58.97 – my payment for June was $2758.97 and I paid $2700 so yes it was in a partial account but waiting for the $58… I asked her to double check since I have gotten many different versions of the payment and she stated that she always looks on the ‘back’ escrow screen which is the real info – she said the front screen on BofA’s software shows $3455.59 and the coupon page shows $3455.59 but the escrow screen (what she calls the ‘real’ screen) shows $2758.97 for June, $2687.70 for July – the payment, as per her info, will continue to decrease slightly each month for 9 months and then should stabilize at $2679.51 (there is a small neg escrow being paid off for 9 months)…
She did say she will take the $755 payment if I would like but $58 is all that is required – I did not have a check with me (they cannot do a debit card transaction) and I still have Thursday to pay so I will call back in the morning with a routing # and ac# to make the $58.97 payment

Thur. June 16th 11:53am - Called cust svc (800/669-6607) – 1st gal could not view notes on my account (she was in collections despite me calling cust svc? So she transferred me to cust svc – they can see more info on the account from their end…) – direct cust svc# 866/767-4104 is the number she recommends for cust svc – she will transfer me…
I then got Tamera… gave her my loan # and soc sec# - she is not one of the quick ones sadly… loan # took three tries and last 4 of my soc. Took two tries… then she wanted to transfer me to ‘someone who can help’ but I told not to transfer me – I just want to pay $58.97 to my account via the phone… she put me on hold to get the ‘partial payment’ status released…
So Tamera came back on the line after 20 min… my June payment has now been released from ‘partial payment’ status and I don’t owe anything more for June 2011. My new payment inc P&I and escrow is $2679.83 and she will send a July payment coupon out right now- she can be reached at 800/669-6607 ext 9406 and she apologizes for the confusion – not every rep knows where to look for the payment info… so I passed on my concern that over the past 30 days I have spoken to 6 or so different people all of whom had different payments listed for me ranging from $3455 to her which was the lowest – she assured me that June was paid and no late charges would be applied for June and she assured me that Julys payment was in fact $2679.83… we will see…

Last year I asked Bank of America for a loan modification for my house that locates at 4706 harwich street Orlando FL.32808. On June 12 2010 I received a letter from Bank of America that my loan modification was approved signed the paper notarize and return before June 25 2010. I notarized and returned all document to Bank of America. According to Bank of America my modification starts on August 1 2010 amount of $804.33. Ever since I have been paying that amount to Bank of America. Last December I called Bank of America because they keep sending me the same amount of payment that Iused to pay prior to my loan modification. I was told not to worry is because they did enter my amoun of modification yet it will be changed a soon as the information enter in the system. Ihave been calling for almost a year about the same issue. Lastmonth I went to refinance my car I was told that Bank of America send me to credit bureau because I have not pay my mortgage. I called bank of America and speak to different opeopl but I didtalk to a supervisor Bradly at ext 8608 he told me that he will take care of the issues and then let me know. When I heard nothing from him and I called him he stated that " they are working on it. That was 4 months ago. theis the number that I have for the Bank. [protected] my account [protected]. I don't know what to do and I don't have enough money to hire a lawyer therefore I come to you Todd to help me out if you can Your regard will be appreciated.

This is a Cease and Desist Letter...send this to BAC Home Loan Servicing..if they don't stop, let get a class action law suit rolling...[protected]@live.com:

Your Name
Your Address
City, State Zip

BAC Home Loans Servicing, LP
PO Box 650070
Dallas, TX [protected]

Re: (Your Account No.)

Dear Debt Collector:

Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe.

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Florida Attorney General’s office. Civil and criminal claims will be pursued.

You have made me very upset, your practices are heartless and uncaring! Fire whoever is in charge of this new practice of calling customers continuously 2-3 times a day, even after the customer has already explained the payment is in the mail 3 days ago. This direct harrassment and this employee is going to cost BAC BIG - when we start filing law suites.

Furthermore, your callers explain they don't have access to the account and can't make an educationed decision about the calling and they are just dummies sitting there without information even about the calls being made...have you people lost your minds; have you all gone crazy? If you call me again, I will file a law suite for HARRASSMENT! BAC IS DISGUSTING TO PERMIT THIS KIND OF HARRASSMENT! IT APPEARS YOU GET WHAT YOU DESERVE; SO DISH YOURSELF ANOTHER PLATE TO $20 MILLION DOLLAR LAW SUITE YOU SURELY DESERVE IT! BAC IS DISGUTING SHAME ON YOU!

Your Name

Let's give it right back to them...

This is the letter I received from my real estate agent after 3months of working on our short sale:
I finally was able to speak with the negotiator regarding the investor's decline of the short sale. She received the same information that you and I did regarding the reason for the denial. She did, however, look through the information that she had from the investor's file notes and communicated the following to me:
The sale price of the home was a good price set (she said the BPO came in at $175K and the offer of $180K was fair and right in the ballpark).
Because of your high FICO scores and the lack of default on your mortgage the investor may have declined the short sale because of apparent availability to pay. (Even though your hardship was thoroughly explained by you in your letter, and by myself and the negotiator in our communications to the investor.)
Because the investor is asking for more of a contribution, I asked what is it that they want?! The negotiator said that with the short sale the loss to the investor would be approximately $149K. She said that typically they want to recoup 10% of the loss. To satisfy this it would mean approximately a $15K contribution on your part. She said that since they are asking for the contribution this would be more readily considered if this were a cash contribution rather than part in a promissory note. We were not given a counter-offer, so other than that information she could not tell me what amount the investor is looking for.
This is the negotiator's interpretation of the file and her best evaluation of the situation. Because Bank of America does not own the loan and Freddie Mac does, her position is merely an information processor/communicator and not a decision maker. Therefore, she and Bank of America have limited knowledge of the information regarding the decision.
In addition, because the file was declined and a counter offer was not presented, the file has been closed and the short sale would have to be re-initiated in order to continue. I know you are about fed up with this system and I understand if you are not willing to pursue, but if you did choose to continue, the negotiator assures me that since our initial submitting of the short sale their process has improved and stricter deadlines have been implemented so it would go quicker.
Because the file has been closed, the negotiator we have been working with can not do much for us any longer, other than supplying the information that she shared with me today. Below is her contact information if you choose to call her, but, like I said the file is no longer hers to assist. Wendy T.

May 27, 2011
Barbara ext. 2907
Bank of America
Called to get information why I do not qualify for the HAMP loan modification
Barbara said my Loan Modification was declined
I asked Why? What specific reason or reasons?
Barbara said I should receive a letter that will tell me the reasons.
I told Barbara I received a letter this morning and it did not give a specific reason or reasons.
She said “if you would look at the bottom of the letter it says they were unable to create an affordable payment equal to 31% of my income”
I asked what figures were used by the underwriter for my income
She said “it says you have zero income”
I asked her why would it say I have no income?
She asked if I provided all the documents showing my income. I told her I submitted bank statements, tax returns, profit & loss statements. I submitted all the documents that were required.
I asked her to check in my files to see if she can see any documents relating to income, reluctantly she looks.
Barbara said she can see in my files the 2 profit and loss statements, my bank statements and tax returns.
I said ok, now you just asked if I submitted those documents and you can see them in my files, why would the underwriter say I have no income?
I told her this does not make sense.
I asked her for the underwriters name, she said she cannot give me that information.
I asked who can I talk to regarding this issue.
She said I can fax all documents again relating to my income and once that is received they can file an appeal.
Or I can start over and apply for the HAMP modification again.
To make sure I was understanding what she was telling me I said “ I need to start all over again and resubmit the 50 plus pages to them again”
She said that is correct. I said you just told me you can see the information in my files and yet I must resubmit everything all over again.
She said there is no guarantee that I would get the modification if I appeal or re-apply for the program
Barbara confirmed again that she does see the profit & loss statements that are through 3/31/11, bank statements from November 2010 through March 2011, tax returns for 2009 & 2010.
I will need to resubmit all of them again. But they need to be more up to date.
After they receive the “current” information they can file for an appeal.
Barbara would not give me any names or numbers of anyone at Bank of America that I could talk to regarding my application.
More of the Run around games by Bank Of America

I am writing to empathize with all who have posted here before me about the ridiculous amount of money that BofA charges for overdraft fees and how they go about racking up fees to prey on those customers that sometimes 'forget'. We are are human and sometimes 'forgetting' just happens. I have never seen such abusive tactics by a bank in all of my adult life! My worst experience with overdraft fees was last summer when I had mistakenly gone over my limit on my balance with my debit card. Again . . . it was a mistake! I was unaware that i had overdrafted and had made a series of small purchases over a 5 day period before I caught my mistake. I had purchased about $180 during that 5 days in everyday purchases for things like a cup of coffee, lunch, small purchase at hardware store, gas, etc. All in all there were 27 transactions in that 5 day period. Well it was much to my shock when I checked my online account and had saw that I was charged $945 in overdraft fees for spending $180! I realize that we are all responsible for our own account balances but as I mentioned . . . it was a mistake! You can tell by my small purchases that it was not intentional! Why would I intentionally buy a $2.00 cup of coffee knowing that I would get slammed for $35 as an overdraft fee!? I wouldn't . . . because it was a mistake! I immediately went to my B of A branch and explained what had occurred. They gave me the typical canned answer that there was nothing that they could do about . . . and they were really sorry . . and that they truly value my business! What a load of crap! Well I got stuck paying all of those fees and it felt like I was robbed by my own bank! Tell me how that is just and reasonable! I have since opened a new account with a different bank that doesn't allow your debit card to ever go into an overdraft status. They just simply decline you. How easy is that!? I'll take a 'decline' for a cup of coffee any day as opposed to an 'overdraft'! What a bunch of crooks!

I was reviewing my a credit card bill and noticed a $99.99 bill for Bank of America Privacy Source. I called the 1800 number listed and was informed that I had an account for credit monitoring. This was the first I ever heard of the account. Apparently I had this account since December 3, 2002. When we reviewed the account information, we noticed that my name was spelled incorrectly. The operator informed me that she would immediately fix my name . I could go online and get a password and log on to see my report in the meantime. Day after, I logged on and tried to obtain my report. I received an error message that the name I entered was not in the system (did not exist). I again called the 1800 number and told the operator that I could not log on and again stated my issue with not knowing that I ever had an account. I never received any mailing, any phone calls or any emails. ANY - NONE- NADA!
She looked into the records and found that I have never been mailed any intro package, so no – I had never been informed that I had this service. She would send out this package now. I questioned the operator as to what service they can provide if I am not aware of the service? She responded that I would be notified of fraudulent activity and any abnormal activity. Two days later I again tried to log on, hoping that my name was now corrected. I again received the error message that I did not exist. I again called, and now was told that my name was still correct in the system. Now my question to the operator was if I was entered incorrectly in the system – how can they notify me for abnormal activity if my profile information does not match what is in the system for the 3 reporting agencies? Her response is that the results are based on social number. I have been notified several times over the last few years from Free Credit Report.com, experien and Equifax. Nothing from Bank of America. I asked for a full credit and asked that my service be cancelled. The answer was that there would be a $40 process fee from the 99.99$ charge but to get the rest of the refund, I would need to call coporate. I am still waiting.
I am very disappointed.

Our home loan was originally with Countrywide Home loans and of course we were one of many and many that were taken on by Bank of America. Since that time, we have been having trouble with Bank of America posting our payments.
Every month we send our payment to BAC Home Loans Servicing, LP via our banks billpay. Our payment is sent electronically in the form of electronic fund transfer. Every few months BAC magically loses our payment, after receiving it, keeping it for up to 15 days then returning it to us - after our due date - making our payment is late.
Last year BAC took the payment and it was lost somehow. We checked with our bank and found nothing wrong, BAC swore it was an error on our banks side. After 3 months of hours on the phone and trying to get Customer (non) Service to assist and Payment research to try to find our payment, it was magically found when our bank spent time on the phone with them. It happened again this month (May), payment sent as usual, kept by BAC for 15 days and returned after our payment date (thus it is now late). BAC says the payment (sent the same way everytime) was missing some data field (won't tell us what was missing) so it was returned. We are now waiting for BAC to call us back with the information regarding the missing data.
We were told by the Customer rep. that we were not allowed to obtain any records other than our full loan file, so any and all INTERNAL notes by the company are not allowed to be provided to the customer even though it concerns our loan. Makes us wonder what BAC is trying to hide.

Anyone have any ideas on how to obtain these secretive internal notes?

Anyone think that BAC needs to be sued for this continued screw up of peoples lives for no reason?

Below is a chat:
Welcome to an online chat session at Bank of America. Please hold while we connect you to the next available Bank of America Online Banking Specialist. Your chat may be monitored and recorded for quality purposes. Your current wait time is approximately 0 minutes. Thank you for your patience.
Thank you for choosing Bank of America. You are now being connected to a Bank of America Online Banking Specialist.
Maria: Hello! My name is Maria. Thank you for being a valued Bank of America customer.
Maria: May I please have your full name and last four digit of the account number?
You:
You: Phillip
Maria: Thank you, Phillip.
Maria: How may I assist you with your personal checking and savings account.
You: Why is there a several day delay in bill pay when the funds go to Green Tree?
Maria: I understand your concern regarding the bill pay.
Maria: Let me check that for you.
Maria: Could you please provide me the amount you are referring to?
You: Why can't I send an email to B of A?
You: I have not chosen to use bill pay because unlike any other pay to there is a delay. I think you are trying to pump up late fees as you own Green Tree.
Maria: We have now made email an alternative option to allow for you to quickly address your questions when a chat associate is available. I would be more than happy to assist you with your inquiry.
You: There was no email link on the web page. Green Trees link is also broken.
You: When I set up a pay to in bill pay the soonest it can be delivered is 5 days. Why?
Maria: Bill pay takes 4 business days. However it will post to your account on scheduled day.
You: That is not true with other accounts.
You: On other accounts it can be scheduled for the same day. For Green tree it is 5 days
You: Green Tree wants $12 for an electronic payment with them. Your agency delays bill pay. It is not right.
Maria: We have dedicated team of specialist who takes care of any Bill Pay queries.
Maria: Let me go ahead an transfer the chat. Please bear with me for moment.
Please wait while I transfer the chat to the best suited Bank of America Specialist.
You are now chatting with 'Seth'. How can I help you today?
You: other accounts it can be scheduled for the same bill pay day. For Green tree it is 5 days You: Green Tree want $12 for an electronic payment with them. Your agency delays bill pay. It is not right.
Seth: Hello. You have been transferred to General Bill Pay Web Chat. I can review your conversation above. To access your Bill Pay profile, please provide me the e-mail address associated with your Bill Pay profile.
You: When I set up a pay to in bill pay the soonest it can be delivered is 5 days. Why?
You:
Seth: It sounds like we do not have an electronic relationship with that payee.
Seth: Thank you. It will be a moment while I review your Bill Pay profile.
You: You own them
Seth: Unfortunately, Bill Pay does not get access to what the main Bank of America owns. However, this payee is going by paper draft. This could mean that the department requires a paper draft check, if done through the Bill Pay.
You: Not customer friendly.
Last text message receivedSeth: I sincerely apologize for any inconvenience this issue may have caused you. We can only provide you with the options. If the we have a relationship with a payee, and they require paper draft; we are unable to change that option.

Bank of America refused to contest charge made my bidrack.com
First when I called 4 days ago about bidrack.com charge me $99.00 for one bid that I made on their site. Bank of America said there is nothing they can do until the charge is posted which takes 4-5 days. Now 4 days later, the charge is posted, they said that there is nothing they can do since I did register to bid and consented to the bid packages. The fraud department had no interested in helping the customer contesting the charge from bidrack.com so don't expect any help from Bank of America
I would seriously consider changing bank considering how unhelpful they are. While reading this site, looks like other banks has been their customers dispute the charges. Think twice before you do business with Bank of America. Obviously, they don't want to get involve, it's easy for them to pay out the bad guy.

I had a fire at my home in 2009. I received a Check from the Insurance company and told to sign the check send it back to Bank Of America I did. I paid out of pocket to have the work done myself, mailed in all my paperwork, supplies I purchased, sent in the contractor bids and paid them has well. All I wanted was to be reimbursed from the insurance money that I was due. I had over $8, 000 dollars of repairs done. I was just informed that I would only receive $919.00. Bank of America has just commented Fraud. That insurance money was for the repairs I had done. The inspector came our signed off 100% completed by me. Now they want to send me only $919.00 for all that work I had paid for. Now I'M in forclosurer and they want to kick me out of my house and keep the money too. I was not in forclosurer when my house caught fire. Now I told they can use the money to add to my account. That not right. I need a lawyer

Reading these complaints, I find little comfort that I am not alone. I have been having major problems with Bank of America and my mortgage with them. Due to personal issues and work reduction I have fallen behind on my payments and I can not get anyone to work with me. They are telling me my only option is forclosure or a short sale. I think not. What really gets me, is that I can not get anyone to give me numbers on exactly how much it would take to bring the loan current and that they have to submit info and then forward it to me and then I have 10 days to come up with the money. This is after finally speaking to someone on the phone. I have spent many hours on hold or an automated voice tells me to leave a message or to call back at a different time. What?!. I can not stay on hold at work or my entire lunch time spent on hold. I know that I am not the only person dealing with this issue now but if you are going to say that you are going to help then at least have the resourses to do so. I have speoken with some very rude and unfeeling people and they always end the call with, "Thank you for your business." What a crock. They don't want our business and are doing nothing to try to keep our business. I can not even pull up the information on line to see if the payments I have made are really being posted to the mortgage.
It is a shame the way that this Bank treats people and yet you hear of all the profit they made, while they are increasing fees and changing the rules to suit them.
If there was anyway to get this mortgage taken over by someone who is willing to to work with people then I would be happy.
When I first started banking with them they did everything in their power to make sure I was happy and satisfied. The customer service and their buisness practices are shoddy. Once and if I ever get this taken care of I will never do business with them again.

i bought a mercedes truck it had a diesel problem a few days later the cluster burned the truck was at theire premises for about 3 wheeks they said they gone fix the problem they dit not i wend and said that i will pay half the cost to repair the truck they stil had excusses i wend to fetch the truck i took it to an bosch agentsy the cost are about 30 thousend to repair they just say sorry i have the truck more than a month they forget that the truck was at their premeses for most of that time

I've been banking with Bank Of America for 10 years. Since they accepted the bail out money I've gone to Bank Of Texas but still use Bank Of America as a spending account and have my merchant services deposits go in there. I keep a typically low balance, about $500 and transfer more money when needed. Anyway, I woke up to 6 $25 fees but I had not overdrafted. My account fell to $65 and then I transferred another $500. After arguing with the CSR for about an hour we broke down every single transaction and they had to admit they were wrong. What happened was a merchant (over a week ago) authorized my card twice, once for products without shipping and once for products with shipping but the authorization fell off the next day. But they deducted this authorization from my balance and hit me with fees 7 days later when I would have overdrafted had the transaction actually been paid. (I know, it's complicated, but it's highly fraudulent). After they corrected the six over draft fees of $25 each I wake up the next day and find TEN overdraft fees of $35 each! The first set of overdraft fees caused me to overdraft FOUR more times, which is true but why TEN charges? Nobody seems to know! After another hour on the phone this was taken care of. So I cynically wrote the bank an e-mail asking for $500 worth of credits towards my account for wasting my time. I made the point that if I had overdrafted by mistake I would not be able to deposit the difference and say 'I'm sorry' I would have to pay $500 worth of fees! They wrote me back with 'We've researched this account and found that you overdrafted blah blah blah'. I wrote back with 'apparently you didn't research this account because xxx and yyy'. They wrote back again with 'Oh. You're right. Sorry'. It just drives me so mad! First, they use a fraudulent fractional reserve system and create money out of thin air! The Federal Reserve is about as Federal as Federal Express and then they have the nerve to assess fraudulant fees on the public! Let me tell you how money is created. No, it's not backed by gold, it hasn't been in DECADES! The United States Government decides they need $10 million dollars. So they print up some fancy looking treasury bonds. Then they call up the Federal Reserve (who is a private corporation) and they print up some more fancy pieces of paper and give it to the US government. That's it! 10 million was just created! Oh but it gets far worse than this. The new created money has to have value and since the only thing regulating the value of money is how much is in circulation 10 million dollars has stolen value from the money you have in savings causing inflation! Now imagine 700 Billion being created out of thin air and given BACK to the bankers! And you wonder why gas is $2/gallon when a barrel of oil is going for $35 (it should be $.75 at the pump!) It gets worse! The fractional reserve system requires banks to only have 10% of their reserves in holding. This means they can loan out 90% of their reserve. So what happens to the $70 Billion of bail out money? It goes into bank accounts. Not $70 billion has because 7 TRILLION! Thus causing MORE inflation! And if you really want to realize how you're getting screwed let's factor in INTEREST! The US government doesn't just give the bonds to the Federal Reserve but the bonds are promissory notes that the US government will pay back the Federal Reserve with INTEREST! But if the Federal Reserve made the first dollar where does the money to pay back the interest come from? You got it! Print more money and borrow more money from the Federal Reserve! Causing a never ending cycle of inflation! Inflation is a tax on the people. Look at cars for a minute. In the 80's a new car cost an average of $7000. Now it's an average of $20, 000. Did things get more expensive? No! The value of the dollar has been chopped down to a third while wages have not even doubled! So you save a million dollars to retire on. When you retire that million dollars will have the buying power of $250, 000 if your lucky! And to top it all off.. they hit us with overdraft fees! We need to hit THEM with overdraft fees for bankrupting this economy and creating money out of thin air! And if you really want to hear the truth watch two movies on google video. America: From Freedom To Fascism The Obama Deception And speaking of Obama, lets take a look at the stimulus package for a moment. WE've already established the Federal Reserve printed 700 billion for the bail out right? OK. Well, we authorized the bail out money to be printed and we (the people) took responsibility for the debt, the interest and inflation. Then Obama writes a 700 billion dollar stimulus package. So what does the Fed do? They loan the US 700 billion dollars at INTEREST! AAAAAHHHHH! They're not even using Vaseline!

I don't know if this is the correct forum but I feel rather helpless at this point and am grasping at straws now. 

In mid to late 2009 I applied for the Obama Administration's Making Home Affordable Home Loan Modification Program with my mortgage holder, Bank of America.

For almost 8 months I went through hell with BOA representatives just trying to get my application through! Although I provided EVERYTHING they asked for, during the first 3 months I heard nothing about my application.  Then after my repeated calls, they began telling me over and over that either they never got my documents, they were "incomplete, " or I needed to update them.

Each time I would re-send the requested documents via FEDEX Return Receipt Requested AND GET THE RECEIPT BACK. Yet I would hear nothing for weeks and then when I called to check my status I would be told again that I had "missing or incomplete" documents- the SAME ONES!- despite the fact that I had the signed receipts!

This went on for MONTHS!

Finally, I went on a Trial Modification Program in March 2010 which was supposed to last about 3 months while they reviewed my file to determine if I could receive a permanent modification.

During the next 6 months I went through hell AGAIN...the SAME scenario...BOA reps claiming I wasn't supplying the correct documents, or they lost them or some nonsense.  Each time they would tell me I was in danger of being DENIED the permanent modification if I didn't straighten out the paperwork!  But how can you straighten out a mess that's being made IN-HOUSE!?

This ridiculous back and forth FedEx signed receipt "I don't have the right documents" mess went on until August 2010.

Then, in early August one of the BOA reps told me I had NOTHING to worry about because my loan app was sitting in the "approved" Dept and I would soon be receiving an "offer" letter for my "new loan modification." I was so happy and relieved.  She ASSURED ME that all the NIGHTMARE was OVER!

A couple days later Fedex was at my door with a package.  I was happy.  I thought "Finally! After all the hell I've been through! Here's my modification offer!"

Imagine my SHOCK when I opened the package and found a LETTER OF DENIAL, stating the reason for the denial was "MISSING OR INCOMPLETE DOCUMENTS!" To add insult to injury it made some reference to the fact that they would get in touch with me later about possible foreclosure info!

I was LIVID!  First, I had just been told I'd been APPROVED 2 days earlier! And 2nd, how DARE THEY even MENTION foreclosure to me YET?! I had not MISSED one single payment on my mortgage in the 20 years I'd lived here!

I immediately got on the phone and called them.  Guess what they said!?  "Gee, I don't understand why you got a Denial Letter. Everything here looks good. All your documents are in order." Yet they couldn't guarantee that the Denial Letter wouldn't "stand!"

So I then wrote my Senator and I wrote Brian Moynihan, President and CEO of BOA.  To his credit, within one week Mr. Moynihan had a rep contact me for details.  And within two weeks I received my new Loan Modification offer/Agreement.  I signed the Agreement/contract and sent it back.  In addition I also requested a SIGNED letter from Mr. Moynihan's office stating that I had been APPROVED for the new loan, which I received via FEDEX.

I HAVE the new loan/agreement AND the signed letter in my possession as of this writing.

As a result I have been paying my new loan amount under this agreement since August 2010.

However, all of a sudden, yesterday, when I called to dispute the amount of interest BOA sent me on my 1098 for 2010, the rep that answered the phone informed me that I had NOT paid my April mortgage AND that I also owed a late fee!  I said "NO, I paid my April mortgage on April 1st!"

After some more review of my file she said she saw that I DID pay the money but the money was sitting in the holding area.  I asked why.  She said "because your modification was declined."

WHAT!?!  I explained that I've BEEN in a modified loan for almost a year.  She said she could only go by the CODE she sees.  And the code says I'm DENIED.  OH MY GOD!  NOT THIS AGAIN?!

She said she would check something and get right back. When she came back she said she could see that I had been paying on a modified loan and wasn't sure why they didn't apply my April payment. She said she would transfer the money right then and remove the late fee.  But she said I'd need to talk to someone in another area about that CODE and why it was there.

She then transferred me over to discuss my tax problem.  While discussing my interest/tax problem, that rep and I discussed my Decline code.  I said the other rep had at least made sure my April payment got posted.  He said NO SHE DIDN'T.  He told me I was showing up as NOT HAVING PAID MY APRIL MORTGAGE STILL! AND that I owed a late charge!

So what DID that other rep actually DO?  Nothing?!

He said he could NOT credit my mortgage payment as long as that DECLINED CODE was on my file!

So here I sit, having faithfully been paying on a SIGNED LOAN MODIFICATION AGREEMENT since last year, having faithfully PAID MY APRIL mortgage, yet being told I'm DECLINED for a mortgage modification ? Being told I'm delinquent for my April payment? Being told I owe late fees because BOA is HOLDING MY MONEY and NOT applying it as they were supposed to?!

I can't get ANY decent or logical answers from BOA reps because when you call them, one Dept NEVER seems to know what the OTHER Dept's are doing! And when one Dept writes something in your file, another Dept has NO CLUE WHY, or what it means!

Now here's the BIG dilemma, among all the possible dilemmas:

Even though I PD MY APRIL MORTGAGE, I'm being told it's not being applied but in fact is sitting in a "holding" area because my modification was DECLINED! As long as it sits THERE, I APPEAR to not be following the rules of my NEW MODIFICATION/AGREEMENT, which could ultimately cause me to be KICKED out of the program through no fault of my own!

BOA has been happily collecting my monthly loan mod payments under the AGREEMENT for almost a year now!  Why have they STOPPED this month!?!

Why can't BOA get their stuff together so that the right hand knows what the left hand is doing at all times? Instead of making the customer SUFFER things like THIS!?

What is BOA trying to "PULL" now?  It really makes me wonder!

The BOA rep that worked on the tax problem is looking into this for me but it's really NOT HIS AREA.  So he didn't seem real positive about what he might be able to do about this "decline code" for me.  But at least he, unlike the majority of the BOA reps I've talked to, has been willing to TRY.

My next move, just like before, will have to be my Senator and my Congressman.  And this time I'm taking it to the news media as well.  

Financially, I'm in a very bad place right now.  My home is all I have.  I will NOT let BOA put me through that nightmare again and try to make excuses for taking my home.  It is all I have left. It is the one thing I have ALWAYS paid for, even at times, not getting medications I've badly needed (I'm on disability), just to pay my mortgage!

I hope that someone reads this and helps me before BOA starts my nightmare all over again.

And I hope people realize that I'm probably one of thousands that BOA pulls this on daily.  I know I was one of thousands they pulled the "missing documents" scam on in order to try to discourage customers from participating in the home modification programs!

Sincerely,

Patti Bright

Cc: 
-Congressman Steny Hoyer
-Senator Barbara Mikulski 
-Brian Moynihan,               PRES/CEO, BOA
-Charles Holliday, Chairman of the Board, BOA

April 13, 2011 RE:"Making Home Affordable Act"

Like yourselves I have spent countless hours on the phone trying to work with BoA. The following is the complaint I wrote to congress after finding out our request for home modification was declined.
Dear Mr. John Boehner Speaker of the House, Senator Cornyn and Congressman Lamar Smith,

Seven months after applying for a home modification through Bank of America, BOA has declined our request for help, and noted on our account we had to be 91 days delinquent before they would intervene and modify our loan. With the help of a qualified home counselor, we submitted all required paperwork requested by Bank of America three times (although 2x's according to BOA our paperwork was never received). In nine years we never missed a payment for our 1500 square foot home, and we have done everything asked of us by BOA and we will lose our home anyway, and that in itself makes no since.

We are trying to save our home by reducing the loan because of two hardships, one being in 2006 when I was involved in an automobile accident and the other in 2009 when my husband was laid off work for over a year. He is working again but took a grossly reduce cut in pay. Furthermore, our most recent news from our daughter who is in the Airforce seventeen years announced she would deploy in six months as well as the father, and I am the Guardian of the both their children and may not have a home.

The reason for my correspondence is I want my congress and Washington to know the new "Making Home Affordable Act" is ludicrous in that it does NOT work. I can't help to think of all the American people who may have lost their homes because of this new law with all its rules, regulations and red tape that goes with it when a perfectly good system worked.

After submitting the letter to congress I began searching for a modification application on line from BAC Home loans Servicing, LP. In my search I stumbled across your site. Your mails are a huge, I mean huge eye opener. I would like to know who is BAC and why is BOA using them for load modification?

I have booked a plot at real estate exhibition at The Park Hotel Nehru place New Delhi this below mention person and the company
sanjeev katri,
Surrender Tomer.
countrywidehousingprojectsltd .
31 C, 1st Floor, Bhikaji Cama Place, Mohammadpur,
Safdarjung Enclave, New Delhi - 110066
http://www.countrywidehousingprojectsltd.com
they given map of some other location at Jaipur for sale
after getting advance they denied to provide plot on that location and now neither providing the money back .
They have changed office several time and now their no office staff are their
the owner surrender denying to make payment back
pls gice some solution, so far he cheated around 300 to 400 people
my self having around 20 mobile number of those suffering client

My brother was a long term BoA customer when he died in January. I received a notice from BoA that they needed to repay the Social Security department for an overpayment to his account, which I had closed following his death. When I tried to pay at my local branch, I asked for a notarized receipt of payment. Since I'm not a BoA account holder their rules would not allow them to notarize a receipt to me. When I called their reclamation department to express that they should be ashamed of this kind of treatment, I was told that "they have rules". This is an indication of the little regard they have for their customers once they no longer can get any fees from them.

I'll keep this simple. I always paid my mortgage on time. I had countrywide. Boa took over. I had a death in the family in december and other craziness going on. I somehow missed paying my mortgage for the first time in my life of being a homeowner. They did not leave me one voicemail message. (I had a lot of 800 calls that I did not answer as I thought it was sales calls—and no one left a message which a rep told me was not usual) I also did not get an email reminder either. As a result, they sent me a letter which was received early in january that my payment was not received. As soon as I got the letter I ran to my computer and researched frantically to see if they were right. The funds had not gone out of my account. I made a payment immediately. I also called and asked why no one contacted me. No one could answer and said it was no usual. As a result they reported to the credit bureau my late payment and my credit is now ruined, credit cards rates went through the roof, etc.

The last correspondence I received said "bank of america provides collection calls as a courtesy to our customers, and are not guaranteed. " ###s. I let them have it again. They suck to say the least. Keep an eye on them. They have a bad reputation with mortgage procedures. Again, never had a problem with anyone else.