3. Written by Kristi, on 16-04-2008 17:47
AHHH--- others who had the same wonderful (if you enjoy stress, headaches, making 20 unanswered phone calls a day, running around like a nut, and basically doing EVERYTHING yourself) experience I had. I basically took on a 2nd job as a loan processor…I used the "convenient" online banking system for the No fee mortgage plus program...no worries my a$$!!!!! On time guarantee- HA! Read the fine print. My loan processor didn't call me for 3 weeks (I called her 2x or more a day from day 1) and had most of the info incorrect. She called me 3 days before the original closing date to START going over the loan details...She was as cold as ice and sounded like she was reading a script and answering my questions from some book, sometimes the answers didn't really even match what I asked. I had to move the closing 3 times until I told them if we don't close I am losing this home and I will have my lawyer contact them now for compensation. Let me ask you if my rate expired on 3/15/08 why the F**K would I want to close on 4/1/08??? That was just the beginning. She lied about making calls, getting in touch with insurance companies, association questionnaires, legal docs- I had to get all of that information. She then without my consent extended my rate @ MY cost!! Yeah, that DID NOT fly with me, I had her boss reverse that after I explain how completely incompetent she is. I had to call her boss' boss' boss before anything was done correctly. The loan processor was a complete idiot who didn't even know who I was after about 100 phone calls from my lawyer and me, (and the local branch office VP). I could keep going with all the details about how they screwed this loan up, but I'd be here for days and I'm sure there is some kind of word limit here. Needless to say, if you stick with them for a mortgage, don’t give up and keep getting the boss' boss' boss. And if you aren't getting what you need get their boss. Call, email, do what you need to do. And don't let them pull that fee for an extension crap; they will reverse that if you tell them how crappy their employees are and how they can’t get anything correct. They lie, never call back, don't keep you in the loop, it's horrible. I am a great customer with them, I have 2 credit cards, a loan, had a mortgage with them a few years ago-(that one went smoothly), an IRA, money market account, savings, checking...never had a bounced check or late payment...and this is how they treat a Premier account holder. I wrote a letter to the CEO, cc'd several execs and told them this story. I don't expect anything, but I can tell you the next time I need to get a mortgage I'm not going with BoA! And I’m seriously considering transferring all of my accounts to other banks. GOOD LUCK TO ALL!!
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