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Bank of America Made My Life ***

I do not even know how to make this a short story. Basically BOfA has made my life *** for almost 2 years.They give me the run around I literally have spent up to 20 hours a week on the phone. Trnsfrd & given diff stories. I qualified for modification & made my payments, yet now they are still saying im in forclosure & some say I never got a modification while others see the modification. They cannot explain actions on my accounts where funds were moved around and missaplied. They cannot tell me anything and now they will not xcept payments!!!??? I dont know if i will even have a house at this point. its a nightmare. I cannot get anyone to help me. I literally have talked to 12 ppl just this week and got 12 different stories and no answers! PLEASE HELP! victoriajo111@embarqmail.com
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2 comments
ritterdog
#199901

THere has got to be somewhere we can all get together and fight B of A. I have been in my home for 12 years and I am not ready to lose it!

I have been given the same run-around as everyone else....I am on my 8th month of "3 month trial MHA program" and I spend hours on the phone, get undated letters with extensions and persons who do not exist....it is ridiculous. Ritters5@sbcglobal.net

Candy324
#199689

Well my loan just got transfered to BOA in

March of 2010. It has been a nightmare for us and I am was told I had breast cancer..so I am fighting two wars. Our old

mortgage company went bankrupt and didn't send all paperwork over to BOA. BOA told us that we were behind $32,000 and wanted to start foreclose in October 2010. However they have froze all foreclosures because of this very thing of paperwork. I am one of the lucky ones and I have all paperwork and cashiers checks of 15,000 being paid. I have lawyers involved and my

account is in the office of the President.

We'll see what happens

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Review
#202072 Review #202072 is a subjective opinion of poster.
Loss
$200

Bank of America Mortgage sucks

I have been trying to get my mtg held by BOA refinanced for 5 months. I thought going with the company that held my mtg would be easy. No Way! First, they "accidentally" cancelled my application. That took about 1.5 months before they got it back on track. Finally, I get my condition statement, and I respond the next day will all the information they need. I have followed up every week or 2 since then. Wondering, what the heck is going on. When the 90 rate lock was about to expire, I started calling every 2-3 days. I also sent many many emails to the processor. She NEVER even attempted to contact me. Finally, my very nice loan originator got this escalated to some VP, and my file was transfered. The new processor, made one attempt to call me. I returned her call 8 times over 2 days before she actaully picked up the phone. She wants ALL the condition docyumentation sent AGAIN. Are you kidding me? You are the company that did not get this processed in time, and I have to do all the work! Plus, they want my persmission to pull credit again. And what do I get? -- Nothing! I better get my application fee back! I am going with an independant broker who cares about customer service. Good-by forever BOA!
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1 comment
Anonymous
#212609

I also wanted to refinance my BOA mortgage, but my main desire was to get the heck away from Bank of America as quickly as possible. Spoke with a broker on Sept.

29th and closing TODAY!!! Bank of America can *** it!!!

Review
#201810 Review #201810 is a subjective opinion of poster.
Loss
$400

Bank of America sucks

My name is Seann. Back in Aug of 2009 I applied for the making homes affordable program. I was told that I did qualify for the program. I began my trial payments in Oct 2009 which ran through dec 2009. the following mortgage bill that i received in jan 2010 stated that since I have arrangements through the mha program i should continue making my trial payments. at this time credit card rates were sky rocketing and I had to take money out of my retirement to avoid being sucked dry. since I was assured by the bank that I would qualify for the mha program this money went to my credit cards. 6 mo later in jun 2010 i received my denial letter. I filed an appeal because I could not believe it. How can Bank of America lead someone on to believing that they will qualify for this program and wait 6 months before sending a denial letter. every single time that I made my house payment I made it a point to not send my payment through the mail nor pay online so that I was able to find out month to month what the status was on my application for mha. each time I called I got the same answer. it takes a while. you should be fine. there is nothing to worry about. hang in there and you will get it. you have to be persistent. and so on. when all the while all of these people that i spoke with were not even able to look up any information on the status of my mha. only that it was under review. If Employees at bank of America have no access to mha and do not know how to get you in touch with someone who does why are they leading people on into believing that they should qualify for the program. I appealed in June after going through everything that I sent the bank and still being unable to come up with the same figure as they did for my income. got another denial letter in august. I asked the bank to send me a detailed letter explaining how they reached my income and have yet to receive it. I did receive a letter from the president office saying that they will waive all fees up until august however from here on out late fees will be charged until i become current on my loan which is 4000 dollars behind. I ran into a little bit of good luck at work and have been making a little overtime lately. I called the bank last week to make a payment for over the monthly amount to begin trying to catch up on my loan. I was told not to pay over the regular amount because anything extra will go toward the fees that are suppose to be waived. I was also told that if I do not get my house payments under 3 mo behind, which I'm currently at 5 then my house is in jeopardy of foreclosure. Its been a year and had I known that things were going to turn out the way they did in Jan 2010 I would have taken my retirement money and put it towards the house. now I'm wondering if i will have a house. my email is seannosborne@yahoo.com thanks for taking the time to read this. sorry it was rushed. and good luck to you.
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Review
#201607 Review #201607 is a subjective opinion of poster.
Loss
$4000
With stories like this,this, and this, it's not hard to imagine why someone might need to kick their Bank of America problem all the way to the top of the dung heap . Here's some executive contact phone numbers: Executive Customer Relations general line:...
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1 comment
Anonymous
#446918

i would like 2012 name, sddress and email address of current executive customer relations specislist at Bank of America.

Review
#201524 Review #201524 is a subjective opinion of poster.

Bank of America AND G.E. Money Bank

They Both SUCK! They're relentless and WON'T work with you - Regardless! I tried numerous time to get both companies to lower my monthly payments And my interest rate and they would not budge. They've both turned me over to shady law firms and/or collection agencies. Finally had to stop making payments earlier this year cuz it was them, or utilities and groceries. Then I lost my job, explained This to both companies and Still - Won't work with me. Well...guess what folks....Bankruptcy....here I Come!!! Thanks to BOTH of these companies. Hope their both happy! Consumer...Beware!
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Review
#201491 Review #201491 is a subjective opinion of poster.

Bank Of America in Plano, Texas - Block ATM card unarthoried they dont know why!!

BOA Block ATM card without notifying me. No letter,phone call... Called Customer Service and the rep said, the date the card was blocked, Dont know who or why the Bank put the block... Obvious this is their MISTAKE and they are just going to send me a new card. This is crazy, so when you look at the whole thing anyone can block your card without permission, no notes and this can happen all over and over again!!! The way I found out was I put money in to my account by ATM and the receipt stated the money put in but, no balance so I called the Bank.. Then the block conversation came up. The customer rep said she was a Superv after 30 min conversation. Speaking to a person who in the Fraud Dept for another 30 mins. He told me I'm talking too long.. Hey if I did something wrong they would have no problem talking to me for 30. When its them they, HUNG UP THE PHONE AND ENDED THE CONVERSATION. BAD BANK OF AMERICA IS THE WORST CUSTOMER SERVICE AND LIES FOR WHAT REASON???
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1 comment
Anonymous
#291548

Chances are they thought something was suspicious. Or there was a mass compromise.

It happened to me but in the end it was good because my account was protected. They have millions od customers and can't call you all individually.

Review
#201308 Review #201308 is a subjective opinion of poster.
Loss
$100

Bank Of America in Mount Laurel, New Jersey - Boa missed treated and mishandled my loan

we were a month late, we called to tell them that we would pay late they filed us as months late. oh my you have no idea of what we went through to keep our home. they took money from us. said we owed or they would foreclose on our home. it was such a sad ordeal that my wife became sick. for months they called and harassed us. phone calls to prove it. mailings to back up this story. They are doing and has done some out clod stuff to the borrowers. can't some body help? michigan resident
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1 comment
Anonymous
#196418

Michigan, sorry to hear about your situation, we can identify. Don't let them stress you-the Lord God is on YOUR side. Here's what you have to do if you haven't already:

1) Don't let them intimidate you, there is free legal advice in every state and you can look up a real estate lawyer and some will give you quick phone or internet advice. Tell them you WILL hire their service to write a letter to the bank if need be. Even if you know you cannot afford a lawyer, don't say that, just sound assertive and confident and don't sound like a victim. Don't lie either.

2) Compose (or a get a friend to help) a strong, factual, emotionless letter to the Bank's head office/mortgage division. Let them know yu're aware they accepted taxpayer bailouts in the billions of dollars. To arm up before writing your letter, google Attorneys for fair lending practices in your state. I used www.affil.org for info (american lawyers for fairness in lending)or other legal sites that will help with pre-foreclosure info and letter writing; if you like the Leftists in America, you are already familiar with them and their social/economic issues, if you don't: use their Legal eagles and the Gov't sites the Obama admininstration puts up to go after 'evil' corporations. Why not, we on the right are Americans too. We get ripped off too.

3) Prepare yourselves as we did in California, we had to learn there is special treatment for minorities, whites are last or forgotten. If you're not white, you will be blessed. If you are, be prepared to be turned away for help-we had to experience this even though we were poor. Still, persist. And pray.

4) Look at moving out of state if you can, we started researching other states and locales 4 or 5 years ago when we saw the signs of collapse in CA. We were middle class and had to let our property go to foreclosure because gangs threatened our lives and our prop value plummeted-no one would buy it. Still, we prayed, scraped together some money and moved to a better state, way better quality of life and everything is less expensive. There are a few left like this, pick one with the right values/quality of life and low or no income tax-for you and your wife. Our prayers and sympathy to your family and for healing to come...He is our Rock and the Rock of all ages

Review
#200983 Review #200983 is a subjective opinion of poster.

Bank Of America in Naselle, Washington - B of A CaN Lock&Stop&Return YOUR PMTS!

My daughter & I (I am a Real Estate Agent)asked B of A about possibilities o re-financing her 10 yr arm...with Hamp and she was current and not behind. 1st and a 2nd with B of A and they locked her out of paying her next payment on her 2nd. We we're on the phone for 3 hrs and had to go to a branch and prove they bounced her auto-payment and then all of the sudden they appoligized and took the payment and waived the 10 day late charge. WATCH-OUT, watch your back-if you call them.
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Review
#200776 Review #200776 is a subjective opinion of poster.

Bank Of America Modification HAMP Program is a ripoff

After dealing with BOA for over 11 months I get denied for a loan modification I comply with the trial payment and went beyond the 3 trial payment I did a total of 11 payments. Now I received a letter from telling me am denied for a modification because I default on my payments what a joke that is I have proof I offered to fax in the proof of payments and they said that was not necessary. Now am dealing with the CEO office having my property schedule for a trustee sale on Sept 30 I was successful on getting it postponed for 30 days I advise everybody that is going thru this same situation as me to do allot of research and help your self because the bank is out just for one thing and we all now what is that for to help them self. Don't give up keep on fighting remember you are your best advocate..
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4 comments
QUECHING
#199261

I am in the same boat I went through the trial period now the are threatening to foreclose and harrassing me for the mone over 77,000 the rep had the nerve to even ask what have I been doing with my monies

If I had the money I would have been payi g the they do not want to work with us

Anonymous
#198786

I have been in the same shoes.Been waiting for my modification approval since last year. I did the 3 months forebearance payment agreement in August-October of 2009 and still nothing.

They keep on telling me it is being reviewed. They even cancelled my application because they said they sent an inspector in my house and it's empty. My dog is there when we go to work...They should ask PG&E or call my home phone or maybe ask my next door neighbor.Then they charge me for the inspection. And then I reapplied....wait 10 days, wait one week...that's all they said and a few days ago I received a denial because they said the Investor refused to issue an authorization and when I called them they said the investor refused to participate in the program.

What the *** is that!

Dont they know that in the beginning...They let homeowners like us suffer and our credit destroyed! I believe they dont even read the paperworks we submit and just mini-my-mini-mo -- I will fight for my home...

if they dont get their legs straighten out...they should be punished by the government for fraud.

Anonymous
#197685

I had same thing , BOA do not want to help they get easy money from govermet .

hope one day some body stop it,

Anonymous
#195273

I think all these banks are ripoffs. They drag their feet in the process and then I'm not sure after reading all of this I want any part.

I'm going to look into a credit union. They are far from greedy and appear to concern themselves with their people.

These banks took the modification money and are sitting on the millions if not billions for the sake of interest. Greedy PIGS I hope you all go broke and fall off the face of the earth.

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Review
#200486 Review #200486 is a subjective opinion of poster.
Loss
$435
Bank of America doesn't tell you when you sign up for bill pay that they also pay bills through their corporate office. They debit your account for the bill immediatly but don't send the corp check for 2 to 3 weeks so they can make interest on your money...
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8 comments
Anonymous
#465414

I recieve e-mail's from BANK OF AMERICA almost daily.The onlyest problem i have with BANK OF AMERICA is,I do not have an account with them.Nor do i ever plan on having an account with them.I wish them would stop sending me e-mail's,Because i cannot stand BANK OF AMERICA and would never do any type of business with them.Beware of BANK OF AMERICA.

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Review
#199981 Review #199981 is a subjective opinion of poster.