United We Stand BofA Page 10

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On 11/09/10 Veronica Lopez wrote: MR. MOYNIHAN, Here is yet another e-mail to be added to the thousands of frustrated homeowers currently dealing with Bank of America with regards to the OBAMA HAMP AND MHAP. It is clear that Bank of America’s sole interst is delaying the process to ulimately foreclose on all properties. To this date, I have received nothing but the run around from every single person employed by Bank of America. My request for assistance began in June 2010. At the time, I had just returned to work after having lost my job of 11.5 years. I returned to work one short month after having lost my job but this was still a hard hit financially. It was only a matter of time before my payments would be late due to this. I called Bank of America and explained my situation and it was suggested that I refinance to lower my payments. It took two weeks to get the needed paperwork and two weeks to confirm that thes were received. It took several weeks for the underwriter to review these pushing me into the month of July. It was made clear to the person working with me of the urgency to complete the process prior to a new payment being due. I was assured in the beginning that we had plenty of time and that I would be allowed to skip my August payment. Needless to say that refinancing fell through because Bank of America took too long in processing my request despite my attempt to plan ahead.

I received a package one week later via Fed-EX with the application and list of documents needed along with the name to my negotiator Sherlena Love 1-877-345-6431 x 14168. I have spoken to her twice. The first at the beginning of the process where she confirmed that all of my documents had been received and that I was currrently under review ( a process that could take 45-60 days) and the second when I called for assistance with an “Attempt To Accelerate” letter that I had received. She assurred me that this was an automated letter and to not worry as I “should not be affected” as I was currently under review for assistance. I have placed numerous calls to her requesting an update of my loan moification with NO RESPONSE. After almost four weeks with no response from her, I have been speaking with different representatives in your home retention department all of which are of NO HELP! All of which are eager to inform me “for legal purposes” that this call will be used as an attempt to collect on a debt, the total amount owed, and the reminder of the “ATTEMPT TO ACCELERATE” letter that has been sent to me followed by the “Were you calling to make a payment?”

I have finally been informed that my request for modification has been denied but was never given a reason. I was told to “wait for the letter of expanation to arrive” as this was sent out on 10/22. I immediately requested to speak to a supervisor and was given the reason for denial. The denial letter was finally received 2 week after I was denied. I am now appealing this decision with the request to be considered for other programs that I may qualify for. As you can see from the details listed below, this is documentation of just one day of abuse. I am now at the end of my rope and will no longer tolerate this from anyone at your company! Do the right thing, HELP ME AND GIVE ME THE TIME AND ATTENTION THAT I DESERVE. I AM ONE CUSTOMER AT A TIME!

As of 11/9/10, I am working with my newly assigned negotiator Ellen Billie at 877-345-6431 (with a four digit extension that is non existent) Apparently I am no longer assigned to Ms. Sherlena Love who by the way can no longer be contacted (her extension is no longer in service.) I have faxed over all of the needed infomation to Ellen Billie twice and have printed confimation that all 16 pages have gone through but as of today, NOTHING HAS BEEN RECEIVED and I am being asked to send it again! Despite my many calls to Ms Billie, I have received two return calls while I was at work unable to take her calls despite my request to not call during these hours. Here voice mails request that I return her call at 877-345-6431 (no extension is given) not allowing my call to get through to anyone.

Call Schedule for Tuesday11/9

Call #1- Representative x 4568 (home retention dept) read me notes per Ms Billie, to fax over needed information as nothing had been received. He sent e-mail to her informing that I had refaxed these to her as per her request. Said he could not tranfer me to her.

Call #2- Emma x 6252 (home retention dept) I called her to ask her for a mailing address to overnight documents that had been faxed twice and not received. Said she had to transfer me to HOPE dept. for them to give me the address.

Call #3- Tuan Carter (Michigan HOPE dept) Stated he could not give me the address but would transfer me to the dept that could. I asked for the number in case the call did not go through and he gave me 877-345-6431 (the same number that requires a 5 digit extension) I informed him that this would not work and again demanded to speak to a supervisor. He transferred me to the number that I asked to not be sent to of 877-345-6431.

Call #4- Called (Michigan HOPE dept) 877-767-0670 and again started the process. James Holmes (with no extension) tried to transfer me to the same 800#. I asked to speak to a supervisor and he stated that this was a call center, NO SUPERVISOR WAS AVAILABLE.

Call #5- Solomon x 4095 (Home Retention Dept) took all needed information, sent Ms Billie a message requesting a call during my requested hours, and gave me the address to overnight the documents to Ms. Billie. However, he clearly outlined that this was not the “requested method” for receiving these documents and could not guarantee that these would make it to Ms Billie! At this point I will take my chances as EVERY BANK OF AMERICA EMPLOYEE IS CLEARLY WORKING AGAINST ALL HOMEOWNERS DOING EVERYTHING POSSIBLE TO DELAY THE PROCESS FOR ANY TYPE OF ASSISTANCE” I thought I had made progress until he informed me that Ms Billie will be out of the office until 11/15 and that the process would continue at that time. I have now asked that Ms Billie’s supervisor contact me in her absence but have a feeling that she too might be unavaiable as is YOUR ENTIRE COMPANY!

Veronica Lopez

“I support John Wright vs. BofA Lawsuit!”

Update on 11/16/10: John, Thank you for this, here is my update: I received a call from Kyle at the President’s office the very next day. He left me his number and extension but the call would not go through. I called my regular 800# and was informed that they could no longer discuss my account with me as it had been referred to the President’s office. They gave me the direct number and passed me on to a different representative within that dept. as Kyle was not available. Since then, I have spoken to various representatives who have all told me the same “WE ARE WAITING FOR ADDITIONAL INFORMATION” I finally confirmed with Kyle that no additional information is needed. He apologized stating that the representatives I spoke with do not have access to the same system and therefore could not see the paperwork that had already been received. He informed me that he would be assigning me to a Sr. Negotiator. It took Kyle one week to assign me to a new negotiator “Ellen Billie” which happened to be the same negotiator that I was previously assigned to, the one who gave me a bad number with a four digit extension that does not work and the same one that I have been working with for several weeks now with no results other than “THE MISSING INFORMATION THAT SHE NEEDS TO PROCEED” TALK ABOUT BEING GIVEN THE RUN AROUND!!! Kyle informed me yestereday that he has no control over the negotiator that was assigned and that it would now take 24 hrs to be assigned to a new Sr. Negotiator. As of this morning (24 hrs later) no negotiator has been assigned. The message given to me by a different representative is that Kyle is still working on this and will call me as soon as one is assigned. I will keep you informed of the status of things and would appreciate any feedback.

update on 11/16/10: MR. MOYNIHAN, I received a call from Kyle at your office the very next day I sent you this e-mail. He left me his number and extension but the call would not go through when I tried to reach him. I called my regular 800# and was informed that they could no longer discuss my account with me as it had been referred to the President’s office. I am not sure if this is a curse or a blessing being that I get no help and a different story every time I call including the representatives within your department. They were however able to give me the direct number to your department and passed me on to a different representative as Kyle was not available. Since then, I have spoken to multiple representatives who have all told me the same “WE ARE WAITING FOR ADDITIONAL INFORMATION” I finally confirmed with Kyle that no additional information is needed. He apologized stating that the representatives I spoke with do not have access to the same system and therefore could not see the paperwork that had already been received. It would be interesting to know why some representatives have access to this information while others are clueless causing unnecessary delays! He also informed me that he would be assigning me to a Sr. Negotiator. It took Kyle one week to assign me to a new negotiator “Ellen Billie” which happened to be the same negotiator that I was previously assigned to, the one who gave me a bad number with a four digit extension that does not work and the same one that I have been working with for several weeks now with no results other than “THE MISSING INFORMATION THAT SHE NEEDS TO PROCEED” TALK ABOUT BEING GIVEN THE RUN AROUND!!! Kyle informed me yestereday that he has no control over the negotiator that was assigned and that it would now take 24 hrs to be assigned to a new Sr. Negotiator. As of this morning (24 hrs later) no negotiator has been assigned. The message given to me by a different representative is that Kyle is still working on this and will call me as soon as one is assigned. Can someone please help me!!!!! On top of causing delays by not allowing your representatives access to the requested paperwork that is faxed MULTIPLE TIMES, you have now limited my access to your representatives when your department is closed! Again you have created another attempt to further delay my request for assistance.

On 11/10/10 Aaron & Paula Lloyd wrote: To the CEO Brian Moynihan, I am writing you to find out why we are getting a different story every time I call you customer service about our mortgage loan. I initially called in the beginning of August to discuss the Making Home Affordable program because I am one of a million people that have lost their job. At that time the person told me they would Fed Ex the package to us, which they did, and we returned everything that you had asked for. I have been keeping in contact with your bank, but getting a run around story on what is going on. The negioator of the loan will not call and the customer service will not transfer my call to them either. We are trying our best to make the mortgage payments, but we are now making partial payments almost every two weeks when we get paid. I was told by a gentlemen named Andrew on 10/1/10 that he would accept our partial payment and when we banked enough of the partial payments for full payments, they would apply it to the loan. On 10/27/10, another rep named Kurtis, told me you no longer accept the partial payments. On 10/29/10, another rep named Cindy, took a partial payment from me. I asked her if she saw what was going on in the loan process for the modification and she said we were denied. She told me that a Fed Ex letter was coming to us on the reason why. The only reason in that letter was that there was no affordable solution. I’m sorry, but what kind of reason is that. What I want to know from you, is why are you denying a customer that not only has their mortgage loan through you, but also our checking and savings. We are asking for the modification from you or some other program to keep our house. I know that Bank of America does not want to add another empty house onto what you already have. You say you help one customer at a time.

I AM THAT ONE CUSTOMER AT A TIME.

I support John Wright vs. BofA Lawsuit

Aaron & Paula Lloyd

Update on 12/03/10 : Dear Brian Moynihan, I emailed you on 11/10/2010 about our need of assistance with our home loan. Within 5 business days we received a letter from you stating that you put a senior negotiator on our loan, Ms. Regina Mayes. You provided me with her direct line and also another number to reach a Steven Nielson in your Customer Relationship Advocacy. I would like to inform you that neither of these people know how to answer their phone. I have tried reaching them since we received this letter. At one point after receiving this letter, I thought their was a glimmer of hope that maybe, just maybe, Bank of America would possibly come through and help us with our loan.

You say you help one customer at a time. I AM THAT ONE CUSTOMER. We live in a subdivision where our builder went bankrupt and you have about 15 houses in our neighborhood that got foreclosed on or the homeowners simply walked away. I know for a fact that you own these houses. Our subdivision was only 40% completed, so the odds are against you right now. I know you don’t want to add another house onto the list.

You of all people know that the economy is bad. I did work in the building industry and lost my job. We are coming to you to find out which program Bank of America has to help us. I refuse to lose my house and I know you do not want my house. I would like to know which program you have to assist us. I would like to hear back from Ms. Regina Mayes.

I am that one customer,

Aaron & Paula Lloyd

On 11/10/10 Musiliu Aminu wrote: Good morning, I didnt know my situation would get this far but I have no choice than to find your email and contact you directly, Im scared and frustrated, I have been trying to get help for the past 18 months to get my load modified, my original loan was with countrywide, till today, I still dont have answer, I have applied for the Making Home Affordable several times, sent docs many times, everytime I get a call from someone, they either tell me the loan is in review or your loan have been assigned to new negotiator, I have been working with one Terri Fox from office of the president, she escalated my complaint and still nothing happened, like I said I have sent docs by email and/or fax and still no one has come close to let me know what is going on, as of today, I was told that Trinia Saldivar is my new negotiator, and still have not got a call from her and I left 2 messages already, at some point I was working with Monique in the underwriting department who told me as of last thursday (11/05/10) that everything is fine and she is send my file to the underwriter, then last Monday, I got 2 Fedex packages asking for the same docs that I already sent, all recents docs dated the last 30 days.

I know you are very busy due to the situation in the country, please help me, I dont want to lose my house, this is all I have, I have a job and a personal business and everything is taking shape for me now, its just that I have a pay cut at my job and business is very slow, if I get my loan modified, I will make my payment going forward, Im appealing to you to use all that is in your power to help me move this situation to positive result

Thank you and Remain blessed
Musiliu Aminu

Update on 11/30/10: Hello and Good afternoon, My name is Musiliu Aminu, I contacted you few days ago and you posted my complaints on your blog, Im happy to tell you that I finally received FEDEX package yesterday and Im starting my 3 months trial payment in January, like I said before, this after 18 months or worrying, many calls, sleepness night, hundred of emails, I pursued this and Im Grateful to God that if finally worked out.

Thank you for your time and the Blog

Musiliu Aminu

Update on 12/08/10: John Wright wrote Musiliu to let her know that the BofA rep mentioned above name “Trinia Saldivar” typed her own name into google and end up reading this complaint about her on piggybankblog.com. Musiliu responded with: “Thanks for letting me know. When my file was referred to her, I called and left several messages and she never return my call, when I threatened to contact her boss (which I did anyway), she finally sent me an email and she wasn’t able to help, another thing I noticed was that when you listen to the message on her voicemail, she said to contact someone if she is unable to answer the phone and the phone number she provided on the message was wrong, I finally got the correct number and sent her email, its possible it was a mistake or intentional, when I was dealing with other negotiator, they returned my calls even one call me on Saturday, anyone refer to her should ask for another person as I think she of no help at all and just waste people’s time.”

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On 11/10/10 Naomi DeLa’O wrote: Good morning Brian, on two occassions I spoke with Alicia Corosco and so far am not impressed nor have I felt like I am any closer to a resolution. Yesterdays conversation was condesending and just plain un professional. Speaking to me as though I do not have common sense is an outrage. I had inquired as to why I would be recieving a billing statement on my mortgage when I have been in modification review since December of last year when BOA bought my loan. Alicia’s response of “the banks not going to stop what it does, your still going to get a statement each month” is of no consequence to me. Since I have never received a billing statement from BOA not once. I feel Alicia did not understand my question as to why out of the blue would I be getting a statement when I should be in a review process? Also on the same day I recieved a letter saying I should ask BOA for help if I am having difficulty paying my mortgage. Just what is going on inside BOA? Why does it appear that my information is in several different departments and generating a variety of letters being mailed out to me? I have not once heard from my assigned reviewer Colby Gilbert. Yes I am working with a HUD Counselor Andre Holcomb but he also is getting the run around. According to Alicia when she reviewed my account I was told “she read no where in my account that I had been denied for an in house modification” I understand BOA has thousands of homeowners trying to get a modification with BOA. But does it not make sense that when there is a trained Hud Counselor involved that half the work is already done? and that the reveiwer should then be better able to present a sensible work out to the investors? I understand the investors need to agree as well to a modification. So then shouldn’t the home owners plead their case directly with the investors? I read somewhere that home some home owners were denied a modification and it was blamed on the investors not approving the modification. So then in those cases the home owners have a right to understand exactly why they were denied. It should be clear why it would not benefit the investors. Who can explain why a group of investors would by bulk mortgages fully knowing many of those homeowners will default. I beleive since this is the case those investors need to clearly define why a modification is not applicable. In my case I have been in my home for more then 10 years I have raised my family hear and now have my mother to care for. I have a long employment history in the same career feild. If a reviewer were to consider those things it would be clear I am not of high risk. If I hadn’t been let go from employment I would never had been in this mess. I appreciate all the help you can give me.

Sincerely

Naomi DeLa’O

On 11/10/10 Thanh-Tuyen Le wrote: Dear Mr. Brian, My name is Thanh-Tuyen T. Le, I am is a loyalty customer with your bank ( I don’t know for how many years? and since when? )The reason why I said that because your bank have given me that title. I’m currently having 4 accounts with your bank: The mortgage: Loan # xxxxxx, a Bank of America credit card, Bank of America checking account and a Line of Credit. Let me tell you a little about my family, our family has very good high standard: We have a daughter she is now in her final year for a bachelor degree of Business and Communication in NY. My husband, he is on a long term disability due to his past serious illness since 1998. I am working hard with 2 jobs for the past couple years because he is now in a fixed income. Until 2008, my company didn’t get a renewal contract from the Federal (the contract has been renewed for the past 10 yrs). I was collected Unemployment benefit for more than a year .We were struggle and drained all of our saving, max out our credit card. We have no choice, then we applied for home modification since April 2009 because we were told we didn’t qualified to Refinance the loan. During that time I have changed my job from an Internal Auditor to an Agent for New York Life. I had no experience in a sale business, from an exempt salary to a commission only. My application was transferred to New York first and then California. Each time they want me to re-sent all my document because they did not have anything in the file. One time, I called the customer services line one of the woman told me that my account has been transferred to the bankruptcy dept she needs transferred my call to them but their dept was not open at that time. I called them to check a status of my application almost every two weeks. I have been worked with the upper manager level from NY to CAL. Finally, my application has been sent to an Underwriter in Florida June 2010, he called me and after that about a week, he able to completed his verification in one day he said to me” now I sent your package back to Bank of America, give them about 2 weeks and then follow up. A final underwriter will scanning all my number to make sure is accurate. They will notify you with an offer” . From the end of June until August the fifth I received an overnight letter from Bank of America, the letter indicated that “Within in 45 days you will receiving a final decision from us” . That is until now, I was so upset, every time I called they rotated the call to a different person and they had no clue They don’t care where and how you find the money to pay them for the mortgage.They also said the letter generated by a computer it could be longer. I think” You are very good to cover yourself legally with the law and the government” None of my painful experience that matching with the information you listed on your web site about this program. Let me went over some of the answers they given me about my status and the letter: * You need to call every two weeks to check for the status there is nothing that we can do (manager of the retention dept) * You don’t have a sell date on your property and you also not on the list for the foreclosure that why (staff from retention dept) * If you can’t not wait for their assist just tell me now (customer services center) I don’t know how many time they have requested to escalate my file, because it more than 45 days since the end of June. Nothing good About three weeks ago I called the HOPE HOT LINE for help all I want to know what happening to my application. I have been transferred to worked with another non profit organization they asking me a same thing they went over my financial. I told them I already know all of that do not waisting your time. They didn’t care they keep talked like a machine, all they want from you a completed personal information to keep you in their books. Later on, I found down from your bank that they have requested to escalate my file again. They did a same thing what I have done in the past. Even that I am still calm try to work with the bank to updated my current situation if I am running late on the mortgage. It has been 2 times since September. When I called them all they said “when can you pay, if we do not receive the payment by the 28th we will send a notice to the credit bureau. Until you in a trial payment we can not waive any late charge.” I am thinking about the message from your 1-800 to the consumer “we are not a debt collector we want to help you” how do you feel about that? Are you a Catholic or you from another Planet out here with no heart Last month, I called to make a payment over the phone so you can get your payment quicker than if I do the pay bill through my bank it will take couple day. They didn’t let me know about an extra 20 for a fee, they automatic debit to my account another 20 with a follow check number that I gave to them for the mortgage payment. I called them and asked about an unauthorized check charge to my account, they told me they received a notice in September that they can’t waive any fees to the customer. This a fraud and a violate the law you should not used a duplicate transaction to charge the customer due to their previous approved transaction. From the credit card to the Equity Line than the Mortgage your bank have been charged the late charge from left to right even your staffs have my current status in the system. To proof my story, I encourage you take a look of my file to verify what I have said is correct or not and let me know Is this how you rate my loyalty and my credit PREFECT with your bank for the past 10 yrs. .

I’M ONE OF THE CUSTOMER AT THE TIME

I support John Wrights vs. BOFA lawsuit

Sincerely,

Thanh-Tuyen Le

Update on 12/04/10: Mr. Brian, I have been written to you once and now this is the 2nd one. I appreciate that you have passed my concern to Mrs. Rhea L Smith to handle the issues. I knew her name due to a phone call from your office called me and said from now my case will be handling by her and she will contact me shortly. Unfortunately, after a week I haven’t heard anything from anybody contact me. I have called and requesting to leave notes in the system for her to call me. I have spoke with 3 of your staffs and raised a concern. One Friday, they said she is in the office but she said took a message for her. I have requested either she is pick up the phone and talk to me or I would like to speak with her supervisor. They transferred me to Mrs. Mayra Ramirez her supervisor. She mentioned that she didn’t receive any message from me, I said with the customer relation staff I am happy to provide all my notes to her if this is what she want. After, I had a conversation with Mrs. Mayra I have been told that my case now transferred to Mr. Tong Freddy. Until now I haven’t talk to Mrs. Rhea once. She has sent me a letter dated 11/19 but the envelope was stamped 11/23 I received on 11/24. The letter indicated that she is following to ensure that I have received a good quality services she is providing to me. She also said she had returned a $20 back to me. Mr. Brian, about the quality of services she had none, let review a sentence in her letter “Please know our goal is to surpass your expectations by responding in an impartial and expeditious manner. It is also important for you to know that assistance is not guaranteed and is dependent on several factors”. Is this a professional public services spoke to their clients that way or let me put at this way without clients she will be collect an unemployment benefit how is that sound to her.

Mr. Brian, one thing I would like to be clear to you and your staff that the purpose of my first e-mail to you was “request for the status of my loan modification” “concern about your bank’s Trustee and Honesty” I have couple staffs in your office said to me that I sent a letter to you for a complaint of $20 charged to my account. I e-mailed you because I need your help because you can give us a solution. I have an opportunity to spoke with Mr. Freddy Tong couple time he told me he has requested to escalator my file again. On 11/26 we have received a denied letter from BAC without signature dated 11/24. The letter indicated that the reason BAC denied our APP was we didn’t meet a requirement of the NPV’s test. I have called the phone number listed on that letter and request if somebody could explain to me why the investor has to have such of profit for them to approving the loan. If that is a case then this program is designed to please an investor and not to help people. I also requesting for the calculation to make sure that the number used in the calculation was an accurate number given. I have been waiting for a week but I still didn’t receive any phone call yet per their promise. Freddy Tong is on vacation until December 15th. My account now has a late charge for $383.23 I don’t know how It end up like that. I knew I have late for Oct and Nov. but when I called in to make a payment they said I pay $2336, 01. I don’t know who can I believing? I am loosing the trust with your bank; none of your staff are keeping what they have said to their clients.

I am sorry but my time is running out we do not have any much more left either you come taking my house or I am moving forward and take action.

I am requesting in a week all of the concern above need to be explaining in writing and timely manner and what is a next step of my situation. I hope the bank’s relationship and us are not come to the end due to this matter.

Sincerely

T-T T Le

On 11/12/10 Robert H Callahan wrote: TO: CEO Brian Moynihan: I am writing you today to try and get some understanding of why I have jumped through hoops for B of A for the past 10 months only to be told that I didn’t qualify for a home loan modification.

I am a self-employed concrete contractor who works in the housing industry, primarily new construction. When the economy went in the tanks, my income dropped over 65%. Even though I had made changes to prepare I couldn’t possibly have prepared for that. To add insult to injury, on November, 2009 I cut off one of my fingers while working, cutting my income even more. On November 20^th 2009 I received a Notice of Intent to Accelerate letter from your bank. I needed $4513.68 by 12-16-09 to cure the default but with my hand the way it was it was going to be impossible for me to be able to pay, so on December 14 2009 I called B of A to discuss what my options where. After discussing, I was led in the direction of a home loan modification. I was told to send 2 months of Profit & Loss statements, and I was pressured into making a $1550.00 trial payment that “it isn’t mandatory, but it will sure make it easier to complete the modification”. I found out later that that was totally untrue. $1550 was all I had at the time and Christmas was only 10 days away. I sent in the paperwork requested and on January 19^th made my 2^nd trial payment. On January 26, 2010 I received another Notice of Intent letter but now the amount I needed was $6280.00. Concerned, I called to find out what my status was, as I had done when I made the 2^nd payment, and I was told not to worry, keep making the payments and check back with us at least every other week.

On February 25^th I made the 3^rd and what would have been my final payment. It was made just like I made the other payments, on the phone with a live person. When I asked about my status, I got the same answer-keep paying and keep checking. On March 28^th 2010 I made my 4^th of 3 trial payments, then on April 5^th I received a letter stating they were sorry but my financial information was over 90 days old. I would be able to reapply if I sent in updated Profit and Loss, bank statements, and last tax return. I did that in a timely fashion-then on April 12^th I received a modification packet which stated how much to pay for 3 trial payments and other info about modification almost giving the impression that if I make the next 3 payments on time then I will qualify for the modification. I was asked to send in the last quarter’s Profit & Loss which I did. I then made payments 1, 2, and 3 all on time (which were actually payments 5, 6, and 7) each time making sure nothing else was needed then on August 13^th I received a letter stating that because of my income to debt ratio I needed to get debt counseling and it told me how the counselor would give me support and help me with my monthly budget. A tough task for a small business owner who has lost most of his income but 4 days later it was complete.

Sir, through this whole process I was let to believe that my loan would be modified. I have sacrificed more than you can imagine to make sure that my trial payments and the ones I made after where made on time or early. I have sent info when requested, and have spent countless hours going through prompts and being placed on hold because I was sold a lie. When this process started I could have saved my house for a little over $4500.00. On October 23^rd 2010 I received a letter from B of A stating I didn’t qualify because I made too much money. It says they verified my income at $7,164.48 per month, not $5,000.00 like I had put on the application. VERIFIED—remember back in April when they had asked for a Profit & Loss for the last quarter-I sent it to them. It is a profit and loss for a company that is in a business that is seasonable. In January and February I was collecting from the previous year and had very few expenses going out (materials, labor, etc), so the profit on the profit and loss was escalated.

On October 23^rd that same day, I received my rejection letter. My income was at $56,700.00 or a little over what I projected. Close enough that I definitely qualify for the modification. Through this whole process I have repeatedly asked if they need anything-check statis, etc. And the WHOLE time the #1 thing I needed to be granted a modification and the #1 thing needed to obtain any loan is not accurate, but it takes 10 months to figure out. Why would it take that long for someone to let me know that, I believe that when I was pre qualified over the phone it was one of the first questions asked, what is your income, if I send something requested and it contradicts what I had stated previously then I think it should have thrown up a red flag and brought to my attention then, not wait past the 3 trial payments to send me a letter- I didn’t even get the modification packet until I sent in that profit and loss, when they received it did they even look at it? Or better yet, at the time did they even need it or where they covering up from not getting my modification done the 1^st time around. There is something horribly wrong with your system.

And then the worst letter of all comes. NOTICE OF INTENT TO ACCELERATE.

Remember last December it took only $4500.00 to save my beautiful home.

On October 30^th the amount needed to SAVE my house- $14,419.89. My cure date- November 25, 2010. THANKSGIVING DAY.

What kind of a cold-hearted, kick a man when he is down company are you running? I would like to thank you for your time and I would like you to know that I support John Wright vs. Bank of America lawsuit.

I am one customer at a time,

I support John Wright vs. Bank of America lawsuit

Robert H Callahan

On 11/12/10 Joshua DeVoll wrote: Hello, My name is Joshua DeVoll; I am 30 years old married and have two children ages 5 and 2. I am contacting you in an effort to keep my house from foreclosing and allowing it to short sale (contract offer is currently submitted to BofA). I am also hoping that the short sale process will speed up on this 3rd short sale contract offer.

I am an unemployed Project Manager in the Architectural field. I have a house with Bank of America that is in foreclosure that we are trying to short sale. I am very concerned that BofA will just foreclosure on our house instead of allowing a short sale to go through because it seems like the foreclosure process takes less time, money and negotiation than a short sale (less hassle for BofA). While that is all great for BofA I would be left with a foreclosure on my otherwise good credit (my and my wife’s credit scores were in the mid 700s before starting this process). We have tried to keep our house and this decision did not come lightly. I first was laid off in March of 2009 and was out of work for about 6 months. At that point the house would have been foreclosed on but we had family that helped us pay bills. I was able to find work in August of 2009 and we kept making our house payments until around March 2010. Even with the employment I found our income was down so much that we still had family helping us to pay the mortgage, utilities and food bills. Only after realizing we could not keep the house and continue making family pay for our home decided to start the short sale process (1 year of payments after first being laid off which BofA would have otherwise not received). A loan Modification will not help because our adjusted income since purchasing the house is down so much. I was then laid off from my last job in August of 2010 and am now searching for new employment. BofA will be paid for the house by either the short sale or by foreclosure sale. The difference is whether or not they care that it means a world of difference to us to have a short sale on our credit and not a foreclosure.

The short sale process has been frustrating and slow. We received an offer on the house and it was sent to the bank but was then canceled by the buyer after 3 months of waiting. We then re-listed the house and received a second offer which was sent to the bank. That offer was counter offered by BofA accepting the offer price and asking that we pay $2,000 now or $4,000 within a few years. Know that would take away a large part of our savings and being unemployed we knew it would save us from foreclosure and agreed to pay $2,000 now and finalize the sale. The buyer then canceled the offer before BofA could accept the sale. Somewhere between the 1st and 2nd offer we received a notice that the house had been given a foreclosure date of Oct. 31, 2010. This now became a scary reality that the house could foreclose simply because the short sale process takes so long.

The foreclosure freeze by banks helped slightly as it pushed our foreclosure date back to November 17, 2010. We re-listed the house and received a 3rd offer contract on the house. The offer has been submitted and now the fear is that with the offer price being the lowest it has been and with the foreclosure date being only a few days away that BofA will just foreclose on the house so they do not have to deal with another short sale negotiation.

Below is a quick outline of what we have gone through with the short sale process and some other information that may be contributing to the home price going down with each offer. We live in a small subdivision of around 45 homes that was built in 2007.

When we started the short-sale process. It was listed on January 25^th. The complete short sale package was submitted on March 30, 2010.
The offer price, date received and date buyer canceled the first offer. The 1^st offer was for $102K, received March 26^th. Canceled on June 18^th.
The offer price, date received and date buyer canceled the second offer. The 2^nd offer was for $99K, received around July 1^st. Canceled on October 5^th.
The new offer price and when it will be submitted to the bank. The new offer price is $88K and was submitted this week.
If how many homes in our newer small subdivision where for sale or foreclosure at the time when we started the process. Around 3.
The number of homes in our new small subdivision are now for sale or in foreclosure now and in our area. Around 7; 61
The average comp. price for this house size in this area when we started and what it is now. Average is 108,500 based on tax record comps. We started at $136,000 but had it listed at 79,900 before getting multiple offers on the home. We currently have an offer for $88,000 which has been submitted to BOA.

Please feel free to contact me at all if you can help me in this situation.

Thank you,

I AM ONE CUSTOMER AT A TIME

I support John Wright vs. BofA Lawsuit

Joshua DeVoll

On 11/16/10 Richard L. Babcock wrote: Mr. Moynihan, I have been in contact with the VA representative responsible for my loan at the Cleveland Regional Loan Center and he assures me that my loan qualifies for modification under the HAMP guidelines.

I have spoken to many representatives over the last several months but have been unable to find even one person who will proceed with the modification of my loan.

Your attention to this matter is greatly appreciated.

Sincerely,

Richard L. Babcock

On 11/15/10 Todd Tobias wrote: Hello Barbara, I have been a customer of Country Wide for over 13 years then BOA bought them. I have had a great credit history and purchased several homes in the past. Till 2009 when I had some issues financially and had a few children in which bills do arise. Where I missed a few payments and NEVER did your bank want to assist me with resolving this.

To make a long story short, I have been battling your departments with this paper and that paper and not having the correct numbers even though I have faxed fedexed and mailed every paper that I have been asked for. I have been denied for every program you have, I don’t understand as my wife and I make sufficient money to handle the mortgage.

I even have hired a lawyer to assist me and now December 7^th 2010 my home will be sold by the Broward court system. I have been through over 10 negotiators and they canceled my request faster than I sent in my papers, so how thorough can they be?

There have been some issues with my wife and I over the house and now it looks like I again qualify for the MHA program according to a Supervisor that I spoke to the other day. I will be sending in this final paperwork for the MHA program with the hopes that I will finally be accepted into a REAL program and not just pushed along so the home can be sold in foreclosure.

I have 3 children that live with me and we have no other place to go after being in this home for 5 years it’s hard to want to leave. I want to work this out and have a resolution to a Standard loan 30/40/50 year at something that my family can afford. I don’t understand as to why the loan couldn’t be resolved.

I would like a phone call or some kind of response that there will be some kind of action.

Concerned,

Todd Tobias

On 11/16/10 Laura and Chris Findley wrote: My name is Laura Findley and I have been working with Bank of America since March to get put on the making home affordable plan because my husband lost his job and I need to get a lower interest rate other then 10 percent.

We followed the program and understand that it was going to take sometime getting it complete because there are so many people that need help.

July I got a phone call from the underwriter she needed some paper work so I sent it over she called me back and said all on her end was complete to give it 30 days that was on August 10th so I waited to after Labor day to call they said it was taking a little longer to process things but that I was approved and I asked how do you know and she said because you would have gotten the denial letter already. So October rolls around and I call again and they said any day we would get an offer.

Well on November 15 are world fell apart we got a denial letter after 8 months of this long process.

So I call and they said the only option is FORCLOSER or a repayment plan so I opt for the repayment plan therefore my payments will be 1700 dollars a month and I have to come up with 800 in a hurry.

I have two kids that I refuse let them see what is going on or live on the streets for that matter.

Its not like I went out and bought a house that was millions of dollars or over are head I could not see the future or the fact that my husband would loose his job because he is in the construction field. i have also taken on a second job so I am not one of those people with my hand out and saying give me give me and I want it all and will do nothing in return!

I am not going to sit here and give you a sob story because you for one don’t care and for two I don’t need sympathy.

I have decided that I am sending this email to you and all my state congress members and governor it may not help me but I want these people to see what Bank of America is doing!

I will not loose my house and all I want was a cheaper house payment that’s it. We just knew that the offer would be here any day and are house payments would go from 991 to 750 or something.

I am also going to hire an attorney because it seems like Bank Of America is going to keep screwing me and I want to make the right decision from here on out. I believed the lies but I will not fall for them again.

I can not believe that Bank of America would do this to people and the thing is I have done what I could. I could have just never made a payment in one year through all these struggles.

I really hope that you could take a minute to respond.

I do know after this process and we bring are head above water I will leave Bank of America!

You should try and care for customers and help them in the end it helps you.

I am one Customer at a time I hope you have a great Holiday because you ruined mine.

Laura and Chris Findley

. .

On 11/16/10 Ellery Oliver wrote: My loan was recently purchased by your company as of October. I have requested a loan modification from Bank of America and have received a proposal but I have this problem. I requested that my interest rate needed to be reduced so we can live a little. My rate is now 8.25 percent and the modification they sent was the exact same thing. How is this helping me at all? My wife and I have struggled since 2006 and I am sick and tired of having nothing to show for it. Please look into my situation and give me the help my family deserves to have. Further info can be given on my situation if needed.

“I support John Wright vs BofA lawsuit!”

Thanks.

“I AM ONE CUSTOMER AT A TIME”

Ellery Oliver

On 11/17/10 Brenda Shroyer wrote: “I AM ONE CUSTOMER AT A TIME.”.

On November 18, 2010 Brenda Shroyer Wrote: Re: Complaint of Make home affordable loan “I support John Wright vs. BofA Lawsuit!” Mr. Moynihan: I am writing this complaint to inform you that I have on many occasions tried to get answers regarding my loan with BOA. I know you have heard of many of the horror stories with this program but I’m asking that you please listen to mine. In July, 2009, I applied for the Obama Make Home Affordable Loan. I’m a critical care nurse and was injured badly on the job. I am now 100% disabled after having a broken back. This left me without any money for four months and this is the reason I applied for this program. Prior to my injury, I was never late on my house payment. I have owned a home for 11 years. It was devastating to me. I started the program with the Hope Team. For a year, I was very patient with their many requests. I faxed, fed-exed, emailed and sent by UPS almost every item three and four times. I even had one of your employees tell me she needed my bank statement fed-exed to her for the fourth time while admitting she had it in her hand. As I mentioned, I have a broken back, and its very hard for me to get around. She didn’t care, told me to do it anyway or I would not get in the program. So, I complied. I was also told in the beginning by your employees that my house payment should remain around the same as the trial payment and that my balance would be reduced to market value. My house payment before the program was almost $1,700, my trial payments for 6 months were $1007.00. My original loan amount was $214,900, with an interest rate of 5.375, approx., loan balance at the time was $201,000 approx, market value is $179,000 now. Finally after a year and a half, I received my final papers showing my new house payment of $1449.79, interest rate of 4 something and that both payment and interest rate would escalate over the life of the loan. Also, they were adding approximately $9,000 back to my principal balance. I received the final documents for signature on a Thursday, I spent all Thursday afternoon and Friday trying to speak to someone that could tell me why was $9,000 being tacked on to my balance. No one could tell me why. I told the employees I wasn’t going to sign the papers until I got answers and I was informed by them that if they didn’t receive them by Monday, the loan would be cancelled. I was under so much stress, and felt as though I was being forced to sign those documents so I wouldn’t lose my home. I even noted on the page that I signed that I felt as though I was being forced. There is a copy in my records there. Since the closing approximately 10 months ago, I still don’t have any answers. I received several notice of intent escalation notices due to payments not being posted during the trial period. One employee told me BOA was pooling the money in a separate account and there was nothing they could do but send the foreclosure notices and proceed if it didn’t get straightened out. BOA had my money the whole time in a separate account and because of inadequacies on BOA’s part, I was almost foreclosed on. Then, one day they found the money and all was corrected except my mental state. Now, I still don’t have an answer for the $9,000 that has been added back. Two months ago, I received an anonymous phone call from a mature Afro-American lady that had to be employed at BOA. She stated, “I know what’s going on and I suggest you seek an attorney before you lose you r home. I kept that recording to let my attorney listen to it. Two days ago, I called and spoke to a nice employee by the name of Penney in customer service, and she could not tell me what the $9,000 was for either and suggested that I proceed with my attorney. Also, I requested 36 items from BOA under the FDCPA as I am disputing this. I requested this in August and have not received any information. I need an explanation of this as well. I have a copy of my request if you need for me to forward to you. At this time, I have no other choice but to let my attorney proceed with getting this information. This has been one of the most stressful, scariest, useless business dealing I have ever had. Brenda Shroyer Update On December 15th, 2010 Brenda Shroyer wrote: To whom it may concern: Not sure if I’m emailing the right department. I have a question and not sure who to go to. I have been updating my situation on John’s Daily Blog. Last night I got a phone call from Tony Petsco with BOA and he said they revisited my first modification and corrected it. I now have a new modification decreasing my payment to $1000 from $1,450. He told me two weeks ago he would work it where my house payment doesn’t exceed 31% of my income. This does exceed 31%, but they managed to get it lowered $450/per. They will be tacking approx $4000 back to my principal balance to do this so-called “re-do” when in fact they applied $8000 back to the principal with the first modification. Now my balance is going to be the same as when I bought the house 6 years ago. I need advice on whether to sign the new modification or refuse it as I continue to fight. Please, if any one can help advise me, I would be so greatful. I praise John Wright and will support him till the end. I support John Wright Brenda Shroyer

On 11/18/10 Joseph McCarthy wrote: Mr. Moynihan, My name is Joseph McCarthy from Hillsboro Oregon and I believe your company is about to unfairly take my home. I would rather have to battle cancer than what I have had to deal with at BAC Homeloan Servicing and I dont say that lightly because my father is currently loosing a cancer battle. We applied for a HAMP loan modification just about 1 year ago. I sent all required docs on time but multiple times they said they never received them. Finally you agreed that I could go on a 3 month modification payment plan and stated that after the 3 months I would for sure get a Fedex pack explaning the modifaction outcome. Well, I made all 3 reduced modification payments on time and guess what, I still have not heard the outcome a year later. What is worse is that I have called so many times and heard many conflicting answers some include

Mr McCarthy I don’t show you ever tried to do a modification
I see you did apply for a modification but it was closed for some reason
Looks like the modification was approved but we never got back to you.
looks like your last payment went toward your modified loan???I could go on and on. I first thought for a while you were just incompetent but each call would end with them saying a supervisor has escalated this matter and would call in 1,2,3 or 5 days and it never happened and when I would call back it just start over again and I was never allowed to talk to the person working on it. That is when this week I googled “BAC Homeloans modification” and realized thousands of people were not being responed to and your modification group my not even exist except for the message takers you hire. Anyway, you sent me a letter last week saying you were going to forclose Dec 8th even though I kept sending you the modification payment amout each month and you don’t have the guts to even respond to me in 11 months. I am not really sure why I am sending this email since it appears you are not contacting people on purpose and this pretend incompitence is a systematic scam. I am in good faith trying to keep paying you and figure in the end you will take take my house anyway but at least I tried.

Regards,

I AM ONE CUSTOMER AT A TIME.

Joseph McCarthy

. On 11/19/10Wendy Campbell wrote: I am writing you to let you know about my experience I am having in regards to my loan modification.

I first got behind with my mortgage payment at the beginning of 2010. I had never been late with my payments in the past. Early in 2010 I became extremely ill and had not been able to work. In order to have the ability to make my mortgage payments I had to rent my home and eventually found myself using the rental income to pay for medical expenses.

I had been in contact with Bank of America customer service about my situation and they sent me a modification package to begin the process. I waited for 2 weeks for this package only find out that it was sent to the affected property address and not to the address I requested, which is where I was living. I also was never informed that I would not be able receive a loan modification if I did not live at the property which I had told the CSR.

In the meantime there had been a Sheriff’s Sale scheduled for the first part of July of which notice had been given, not to me, but again to the person living in the affected property (my tenant). I was very shocked by this event because the law firm, Willford & Geske, that was hired by you, felt free to discuss with my tenant the entire situation. I believe that there was some extreme, if not illegal “wrong doing” on your part for breaching my privacy. It was extremely embarrassing to hear all of the details of my current situation told to me by my tenant. I called BoA right away to express my displeasure and was basically “blown off” by one of your customer service reps. My tenant began to threaten me with moving out and legal action.

I was now loosing time to complete the requested documents as the sale date was approaching. I called BoA again and they were able to extend the Sheriff’s Sale date to the first part of October. I completed all of the requested documentation and sent it to BoA. I received a letter on September 20, 2010 stating that they received the application and it was under review. They then changed the Sheriff’s Sale again to November 19, 2010. I waited for approximately 3-4 weeks without any contact from BoA. I finally called BoA about my status and was surprised that the rep told me I had been denied. I found it disturbing that I was never sent a letter stating I was denied, rather I had to call BoA and have a rep tell me, and only after I asked. I still have NEVER received anything telling me I was denied. I’m supposed to believe a customer service rep who is reading from a computer screen, or maybe possibly making the whole thing up because they were late for their lunch break. I feel these matters NEED to be done in writing. I was told that the reason for my denial was I was not occupying the home and that if I was living in the residence I could reapply.

Taking the CSR advise I was able come to an agreement with my tenant for her to vacate the property so I could move back in. I told the CSR that I would be taking back possession of the property on November 15, 2010. I was told to have documentation such as a recent Address Change Request from the post office and a utility bill that was in my name. I was told to call back and I could reapply. I have since gone back to work as of September 20, 2010, even though I have been still dealing with my illness.

I called BoA on November 16, 2010 to find out where to send the information. I was informed that the Sheriff’s Sale date had been extended to December 6, 2010. I understood that this extention was to give me time to reapply under my new circumstances. On November 17, 2010 I called BoA and explained my new situation again to a different CSR and he told me he had to pre-qualify me using my current situation. He had asked me for my income and expenses and then told me I did not qualify. This took a total of 5 minutes. He told me that I “needed to make much more substantial income”. He also said there were no other options for me other than to call back Monday or Tuesday of next week (Nov 22 or 23) to see if there were other options available, or to see about having the Sheriff’s Sale postponed again to give me enough time to reapply.

I was quite disturbed by this. I didn’t believe that the CSR had understood the answers I gave him or he didn’t enter the data correctly. I immediately called back to see if there was a mistake made somewhere. I talked to another CSR who was extremely rude, loud and condescending. I was simply trying to explain my previous conversation while she just kept talking over me. She told me that I had exhausted all of my option. I was simply trying to tell her that I thought that the previous person I talked to had not entered my data correctly or didn’t understand my new situation. She told me that I was only allowed one application. She stated that “doing more than one application was not part of company protocol”. This didn’t make sense to me because I was doing the things that were requested after I went back to work and moved back into the property. She abruptly ended the conversation stating the only option was to do a short sale or come up with 50% of the past due amount plus attorney fees. I had no clue what she was talking about and then she hung up.

I immediately called back and was connected to another CSR who basically took the same stance with me as the previous CSR. She actually told me to “shut up and listen to me”…. “I have been doing this for many years, and I know what I’m talking about, so YOU need to listen to ME”. She was basically telling me she didn’t want to hear anything I had to say. She made a comment about how I had called 3 other times that day. SO WHAT…! I told her I just wanted to keep my home. I ended the call.

So, here is where I think I am with this whole fiasco. I got behind on my payment due to loss of income because of an illness. I tried to get a loan modification which was denied. I was never offered any other options. I have had all of my sensitive information shared with people that have no right to this information which has embarrassed and humiliated me. I basically evicted my tenant of which I was never informed that I couldn’t have until after I was denied. I have never spoken to the same person twice and have always been given conflicting information. I have now moved back into my home and will be forced to move out after I was told I needed to be living in the property in order to qualify for the modification. Needless to say this has been a total nightmare.

I need to talk to someone who is professional and who can explain to me with clarity where I stand. I realize that time is of the essence and a speedy reply would be greatly appreciated. I would very much like to keep my home.

Thank you.

Wendy Campbell (Hull)

On 11/19/10 JL wrote: Mr. Moynihan,-I have recorded conversations of your employees lying and giving out misinformation. Check the recorded conversations from 11/03/2010, 11/13/2010 and 11/19/2010, specifically as it pertains to the inquiry about the Substitute Trustee’s Sale dated 12/07/2010. There were answers given to me on 11/03/2010 that were then retracted 11/13/2010.

I have received counsel from a real estate attorney and we’re prepared for the next step.

“I AM ONE CUSTOMER AT A TIME.”

JL
My complaint concerning my experience with Bank of America is the Deceptive Trade Practice advising me to modify 1st lien with intent to workout 2nd lien having full prior knowledge that the investor does not participate in 2nd lien modifications along with numerous other false pretenses.

“I support John Wright vs. BofA Lawsuit!”

Sincerely,

“I AM ONE CUSTOMER AT A TIME.”

On 11/20/10 Janet Alexander wrote: Dear Bank of America CEO: I am sending this email as a last effort to save my house. My experience with Bank of America and trying to get my loan modified has been an absolute joke. I started my process over 1.5 years ago. We were approved and given a trial payment – which I made – all 3 on time and they were higher then my normal payment because your inexperienced customer service reps didn’t know what they were doing, but because I didn’t want to loose my house – I agreed. After the 3 trials were made, I continued making my normal payments as I was continually told that I was under review and would receive paperwork. Week after week I followed up with different reps – everyone seemed to tell me something different and as this continued our hardship grew and I stopped making payments again. I was then told the process had changed and I would need to start all over. I played along – I resend in all necessary paper work AGAIN and was passed onto a new dept. Week after week passed and again the same words were said – your still in review, still in review blah blah blah. Finally I got a call from someone who my loan had been assigned to and she said she needed updated papers – I immediately sent them in. Followed up a few days later and told they weren’t received and my application was cancelled. WHAT? I have the confirmation. Oh and 2 weeks after it was cancelled, you filled a NOD. Did you cancel me just to file – just to take my house away????

I am back to being under review for MHA (the biggest crock this county has ever seen) – but now I’m in foreclosure and your inexperienced reps are trying to tell me that they will postpone my sale date as long as I’m under review. How am I to believe this when 1.5 years ago I was told you would modify my loan???? My husband and I have put everything we have into this home and loosing it is not something we want to have happen. The hardship we have been under was unforeseen 5 years ago when we purchased this house – all we wanted was a nice home in a good neighborhood to raise our family and we worked really hard at trying to keep that dream alive.

We can not stay in this house without the your help. My kids will be crushed if they have to leave all that they have known and my faith in the government and our country will forever be lost.

Please I can no longer go on blind faith that you will help me or that the reps that work for the bank know what they are talking about. I’m begging with all my heart – please don’t take my home away from me – please help me. I have ideas – I just need someone who has the power to approve.

“I AM ONE CUSTOMER AT A TIME.”

Janet Alexander

I support John Wright vs. BofA Lawsuit!” .

Update on 11/22/10: Dear Mr. Wright – I wanted to let you know that I just received a phone call from an agent within the CEO’s office, Anthony Estrata. Just as you stated and so many others on your site stated, he will be turning my file over to a Sr. Negotiator for further review for possible in house options. I’m not holding my breath that the bank will come back and offer me any sort of help – I have lost all confidence in them and it really saddens me. I want to fight for my home, but feel like its a no win situation. The bank wants their money – that is what all of this is about – stupid money and we are all victims to their game. Thank you for your site and for the information you have set up to provide to me and so many others in my situation. I wish nothing but the best for you and your family this Holiday season. I will pray for you and everyone else out there fighting the same battle I am. Best Regards, Janet Alexander

Update 12/22/10 Janet wrote: Gina -I received a phone call last night from Anthony Estrata and he informed me that a sales date showed in the system for my house for December 30, 2010. I stated to him, this could not be correct as it is not in the proper time line. California law states that I have 90 days + and additional 21 days after the NOD is recorded before my house goes to auction. The NOD was recorded Oct. 25, 2010 – sometime is not right. Not to mention the fact, your system shows I’m in review for modification – however – I don’t seem to be getting many answers or any assistance again where that is concerned.

I need to speak with you today – this morning. I need to know that this error is corrected because if you take my house before your allowed to I will have no other choice but to file suit against Bank of America. I support John Wright vs. BofA Lawsuit!

I AM ONE CUSTOMER AT A TIME

Janet Alexander

On 11/23/10 Martin Freeman wrote: Dear sirs, it has been 7 months now since we first applied for a home mortgage modification from Bank of America and, other than a few redundant requests for information that had already been sent, we have yet to hear from anyone. But hey, just let me get a few days behind on something and boy my phone rings incessantly!!!

We, like many, many other got the ol’ “you didn’t send the requested bank statements” or “tax returns”, etc. but those requests were indeed fulfilled on the very first application that was returned to BoA in May of this year. And for whatever reason we were never even given a “trial period”.

Seven months gone by and making this mortgage payment becomes more challenging with each passing month. We don’t want to lose our home but, at the same time, we have to be able to feed ourselves and our children. Please help.

Regards,

Martin Freeman .

Update on 11/23/10: Will do. Thanks. My friend just got served with forclosure notice today from Citibank – they were telling her all along just pay us $1000 per month we will work with you. They worked with her alright!! I told her not to pay it was just a collection tactic, now she is broke and still getting forclosed. I called Nova Debt today and they called bank of America with me. I asked how can I be denied a modification if I submitted $64,000 annual income and you denied me on a $1600 per month modification yet my original mortgage purchase I submitted for a $3000 per month mortgage I showed $74,000 annual income. There is only a $10,000 difference from 2007 to today and they said if I had a grievance I could file a complaint and they would look into it!!!! That was today. Its all such bullshit. Yet they say they don’t want our homes cause they lose money. Riiiiight. They are not doing anything to keep us in these homes you bet they want them. P.S. my sister told me down in Florida they have appointed a court with retired judges to handle 25 robo signed forclosures per hour. That is 1000 per week. I hope I get to stay here 1 more year. I want my daughter to finish 10th grade

On 11/23/10 Laurie Gordon wrote: Dear Mr. Moynihan: I am writing to inform you of my experience with Bank of America Home Loan Modification Program.

In February 2009, my hours were cut 40%. I had been at this job for five years and in my field for 26 years. I have never been unemployed. When my hours were cut, I retained a lawyer but I did not file bankruptcy because I was told I would get my hours back in the summer when business picked up. I sold building supplies to contractors in the building supply industry so we are a very seasonal trade. Needless to say my hours did not come back and I lost my job completely in September 2009. At this time I contacted BOA to try to get a home modification under the new plan by Obama. I did not hear from BOA until January 2010. BOA told me they could not help me until I was in arrears so I fell behind 1-1/2 months. They put me into a temporary modification program which took effect February 2010 into April 2010. In May I would know if I was to be made a permanent modification. I did not hear from BOA in May so I paid the temporary modification of $1614.17 (my full mortgage was $2829.00). Also in February I contacted my lawyer regarding filing for bankruptcy because at this point it was almost six months and I was still without a job. The lawyer told me I had to take a mandatory credit counseling course with a government approved HUD counselor. I took this course with Nova Debt. My counselor’s name was Daniel Slocum. Together Daniel and I called BOA and spoke with a rep named Gerard who assured me a bankruptcy would not affect my modification as long as I reaffirmed the debt. This was on a recorded call with the Nova Debt counselor. I went ahead and filed on May 28th, 2010. On June 4th I received a letter from BOA stating my loan was not eligible for modification with no reason why. I called BOA and I was told there was a note in my file dated May 31st, 2010 that a mistake in judgment was made to resubmit my financials. I did this on June 7th, 2010. I then called three weeks later to confirm all documents were received and I was told they were. Then on July 3rd I received another letter from BOA stating again I have been denied for loan modification and I should either short sale, sign my deed over or sign my deed in lieu of lease (even though I was not in foreclosure). On July 3rd I called BOA and got a rep named Melissa. I asked Melissa why I was denied and she told me it looked like excessive forbearance. I told her that’s impossible a HUD counselor went over my budget and saw a $1200.00 surplus after all expenses were paid. She said she could not discuss anything else with me that my loan was being handled by the Bankruptcy Department. Feeling very slighted, I called my congressman’s office Scott Garret and got his representative Andrew Whitehouse. Andrew called his BOA contact and explained my situation to him and I was expedited to the Office of the President and assigned a representative named Jacqueline Baker (very polite). Jackie was the first person in a year of dealing with BOA to give me her first and last name and a contact phone number. She explained she was not financial in any way that she is just appointed to handle the trail of my case. I told her I wanted to know why I was denied due to excessive forbearance if a counselor appointed by the government told me I should have no problem. Jackie informed me I was not denied to excessive forbearance but I was denied due to Bankruptcy. She had no idea about Gerard from BOA. I then proceeded to tell her about the letter I have from Nova Debt stating the phone call to BOA and Gerard telling me bankruptcy would have no effect on the modification. She then asked me to send over new financials which I did and a copy of my letter from Nova Debt. I sent all the information to the modification department and to Janice Robertson at the BOA Bankruptcy Work out department. I did this on July 21, 2010. I also sent a letter from Nova Debt to Jacqueline Baker on 7/21/2010 as well as a release from by lawyer that it was okay to talk to me about modification. I contacted Jackie Baker around July 28th to see if she had heard anything or needed anymore documents and such and she said no. She was hoping to hear something in the next week or so. Jackie contacted me on August 5th to let me know they were putting me into a new modification program and my new rep would be Trina Saldibar with a phone number. On August 5th, 6th and 7th I tried contacting Trina with no success. I left three messages and got no returned calls. On August 12, 2010, Jackie Baker contacted me again to let me know I was not canceled due to bankruptcy. Now I was canceled due to lack of a paper trail to show my son’s income and my mother’s social security income was actually being used in the household expenses and instead of requesting more documentation, BOA just dropped my modification (First of all BOA should have requested documentation before dropping my modification, second of all I had requested if any other documentation was needed and I was told NO. Isn’t it funny how I was first denied due to a bankruptcy filing and now it is something totally different yet my cancelation came right after my bankruptcy filing (which I never would have filed had Gerard not assured me it would not affect my modification)? On August 12th when Jackie Baker contacted me, she told me she was not aware of the lack of paper trail regarding my son and my mother’s income and that my new rep would be Irene Smith and she could not give me a phone number but that she would call me Monday August 16, 2010 to go over the needed documents. August 16th happens to be the date the full amount of my mortgage due before late charges take effect (so much for getting the old modification restored to the month of August). Turns out Irene Smith called me on the Friday the day after Jackie Baker and gave me an 800 number to reach her at. After I hung up with her I tried to reach her ten minutes later and lo and behold no chance. My congressman’s rep Andrew tried to reach her and no good. I was not surprised. At this point I don’t think it is a real name. I have given up trying to modify this loan. It is a year later, I am back to square one. I have sent my documents in 7 different times. I have been given three different reasons for denial, (excessive forbearance, bankruptcy and now lack of documentation), I have spoken to or been given countless reps (Melissa, Trina, Janice, Jackie, the latter I believe is the only one that is real), and I have been given the run around for a full year only to see how much money BOA can bleed out of me all the while being unemployed. The fact is I don’t understand how BOA can be such a successful bank with so many reps who don’t know what they are doing. I thought about it and I came up with the fact they know exactly what they are doing!! They are taught to use as many stall tactics as possible and do not approve any modifications. Draw it out as long as possible and get as much money as you can out of the debtor. This is why BOA is so successful. This program was designed for people like me. You see Mr. Moynihan, I did not buy my house out of greed. I have been living in it for 21 years. I am a single mother with three children. One of my children is a handicapped Achondroplastic Dwarf with Hydrocephalus, spina bifida and scoliosis. My home has been modified just to accommodate her. My 80 year old partially handicapped mother also lives with me and gives every dime of her social security to live here. I have never been unemployed and this supposed “program” was designed to help people like me. But its not. BOA is only modifying people who owe more than their house is worth because that way the banks don’t lose. Even though they were bailed out at the tax payers expense. This program is total spin and nothing more. Good luck trying to sell a home modified for a dwarf. I have been living here, maintaining my home, loving my home and caring for it because it was mine. It is breaking my heart to know something I have seated and worked for is going to get run down and then sold dirt cheap to some scavenger. To BOA it will only be just another piece of real estate. Keep in mind at one point in time it was a “Home”. I wish you had to be here to tell my daughter we have to move because BOA is not making enough interest. ($900 a month just is not enough interest) lets displace this family of 5 who have been living here and maintaining it all the while under a cut income. With no job and no place to go I would still rather be jobless and homeless then to work for a bank. The class action lawsuit in Texas against BOA and its tactics extend well beyond Texas. It is alive and well right here in New Jersey also. Sleep well.

On 11/24/10 Douglas and Janet Hash wrote: Mr. Moynihan, I am writing this letter due to my poor treatment and as a plea for help from your employer Bank of America as pertains to my mortgage, loan number 176829126. My last letter from your company, dated November 02, 2010, stated I would receive a letter within ten days detailing my remaining options: do a deed in lieu of trust, short sale, or hopefully a mortgage modification. It is now November 24, 2010, and I have had no further communication.

My saga began four years ago with the purchase of my home; not knowing that my employment of twenty-one years would change within six months, the result was a seventy percent reduction of my income. I suffered again due to the dismantling of the automotive industry, which I have worked in since 1980. In addition I also suffered extreme medical bills due to spousal health issues i.e. shoulder surgery, full mouth extraction and dentures, as well as seizures that resulted in multiple ambulance rides and hospitalizations, which were caused by a change in medication. My wife’s health issues have stabilized and my employment has been reinstated with my previous employer with enough income to support a modified monthly payment.

My experience with your bank regarding communications has been extremely unsatisfactory. After six months of a three month trial payment period of 2790 per month, my mortgage was reduced from 4500 dollars per month to 3700 dollars per month. The loan processor mocked my situation stating “Gee, you’ll have 400 dollars left per month after your new payment.” For some reason my modified mortgage offer was reduced to a twenty eight year term versus a thirty five to forty year term; though the latter would have made the payment affordable. I refused to sign the modification and contacted your office stating such, at that time I was informed of a new government program regarding mortgage balance reduction. I was told, as the processor read from a manual or bulletin, she had no idea about the new program and to contact them within one month for qualification. I followed up within said month, but was told that I did not qualify. I was then directed to the website, but was unable to log on because I had no password or pin. At this point I applied for arbitration, but was informed my window of eligibility had expired due to the trial period taking so long. Its genuinely been a “Mickey Mouse” runaround since my first contact. After receipt of the letter dated November 02, I contacted your home retention team again, and was told I did not qualify again. In figuring the budget they used the higher payment of 4500 per month instead of what a modified payment would be which may have qualified me.

Originally I paid 854,000 for my house; it is now worth approximately 500,000. My own investment in the house is 300,000. I wish to keep my house, and you would think it would be logical, instead of a short sale, to lower the mortgage balance or lower the payments to affordability with a longer term and lower rate. Any help you could provide would be greatly appreciated.

I support John Wright vs. BofA Lawsuit

I am one customer at a time,

On 11/26/10 Nichole Foster has wrote: Douglas and Janet HashYour bank has taken $157.00 from my checking account the day before Thanksgiving which has left me and my children stranded 250 miles from home with no money left in my account with which to get home. Your customer service representatives have told me this money was taken because of a transaction which they say happened in May, 2009, yet I have reveived no previous requests for payment of this from your bank. Furthermore this account has been closed for over a year and now you steal money from my current account and cannot even tell my why you have stolen it!!!

“I support John Wright vs. BofA Lawsuit!”

“I AM ONE CUSTOMER AT A TIME.”

I want my money back into my account!!

Nichole Foster

I expect my money in my account by the close of business today!!!

On 11/26/10 Osato Oronsaye wrote: Dear Mr. Moynihan, My name is Osato Oronsaye and I have been a customer with Bank Of America since 2006 when I purchased my property on Swiss cir, MD. In late 2009 I lost my job and soon became behind on all my bills, for months after months I struggled with Bank of America for some help with Modifying my mortgage. I received several forbearance due to being unemployed which set me back and I am now even more behind on my loan. I recently started working and I am very happy for this opportunity, now I have called several times and spoke with many of your reps and I have been told I was declined for a modification without any explanation. I have asked Bank of America for an explanation as to why I haven’t qualified but was unable to get any response. I contacted Making Homes Affordable and spoke with a counselor who advised me that I should have been approved for a modification based on the information I provided her. I am simply seeking some help since I don’t want to become homeless or loose my property. I will appreciate some feedback on this matter and some consideration as well. Please feel free to contact me at xxx-xxx-xxx

“I support John Wright vs. BofA Lawsuit!”

On 11/27/10 Steven Malicki wrote:

Mrs. Desoer,

Can you please help me?

Hoping that after more than a year of cooperating with BOA to achieve suitable loan modification and then discovering that my process was terminated in August of 2010 because my now ex-spouse of 3.5 years had filed for personal bankruptcy in July 2010.

I am now being told that even though ex-spouses bankruptcy had been discharged on October 26th, 2010, I will be forced to start this entire process again – as if I had never applied for assistance way back in August of 2009!

Until recently I have never been delinquent on a single mortgage payments for well over 25 years. That is until this latest nightmare dealing with Bank of America.

I look forward to continuing as a valued customer of BOA when my modification can be expeditiously approved.

I do support John Wright vs. BofA Lawsuit

Thank you,

Sincerely,

Steven Malicki

On 11/29/10 Maria Marcia wrote: Mr. Moynihan, My name is Maria Marcia. I am writing to you because I have been given the run around by Bank of America dozens of times & nothing is ever accomplished. I was even told by one of your employees that I should find another job in order to keep up with my mortgage payments. I don’t know what kind of people you have working there but customer service isn’t their priority!!!!

Belittling me & sending me to find another job was not what I called for!! IF I DIDN’T NEED THE HELP I WOULD NOT BE CALLING YOU FOR IT! AND IF I COULD AFFORD MY MORTGAGE AT A HIGH RATE I WOULDN’T BE CALLING YOU EITHER.

I OBVIOUSLY FELT THAT YOU COULD HELP ME BETTER MY MORTGAGE SITUATION!

Since I have had my mortgage I have always paid it on time no matter what & when I went to your bank for help, I have been given to many different answers and never a solution. I decided to ask for a loan modification because I thought it would help me continue to stay current with my mortgage. I want to keep a roof over my families head and working with you all has been merely impossible! Ever since I started the Home Affordable Modification Program 10 MONTHS AGO[February] it has been nothing but false hope, the run around and lies. I stayed current with the payments they told me to make only to find out that I was denied. I was also being sent foreclosure letters while I was in the modification process, what is that all about??. Call after call only to be told they are missing this and that, and only to find out that they do have it and sending in so much paperwork for nothing. Now of course i am being told to pay 6,000$ IMMEDIATELY in money I owe because I was denied the modification. AND WHERE AM I SUPPOSED TO GET THIS MONEY TO PAY YOU IMMEDIATELY???

WHY BE GIVEN FALSE HOPE WHEN YOU DO NOT PLAN ON APPROVING IT. AND WHY MAKE ME SUFFER MONTHS AND MONTHS OF STRESS ONLY TO DENY ME AND NOT GIVE ME ANY SORT OF HELP!!?

Also I Called to make a loan payment of $1025.40 on 11/02/10 and it was taken out of my checking account which is what I wanted, so OK that’s fine. Then the payment was taken out again on the same day!! then it was refunded on 11/03 and THEN on 11/03 I was charged again, there is something truly wrong with this system. It is just about a month and the money is yet to be refunded to my account. I have called and called and they never have a straight answer. They say 24-48 hours and it is now a MONTH! During this time 700$ without my consent was taken out of my credit card account in order to cover one of the many over-drafted loan amounts that YOU took out! NOW I HAVE TO PAY INTEREST ON THAT MONEY, HOW IS THAT FAIR WHEN IT HAS BEEN YOUR MISTAKE AGAIN AND AGAIN. WHEN WILL THE DAMAGE STOP?? BANK OF AMERICA SHOULD PAY THE INTEREST FOR THAT CREDIT CARD. Now you also have the audacity to lower my credit card limits!! why? IT IS YOUR FAULT I AM IN THE SITUATION I AM! You say I am delinquent and behind yet I paid what you asked me to pay. You are demanding your money or you will take my house. You are forcing foreclosure on me!

YOUR PURPOSE IS TO MISLEAD PEOPLE, LIE, GIVE THEM A SENSE OF HOPE AND THEN SHOOT THEM DOWN AFTER HAVING THEM STRESS FOR MONTHS AND MONTHS, WHERE IS THE HUMANITY?.

So at this point I was denied the modification, I am still waiting for my money to be refunded, & I am told to pay 6000$ immediately. WHAT do I do at this point?

I must state to you that I do support John Wright vs. BofA Lawsuit

From,

“I AM ONE CUSTOMER AT A TIME”

Maria Marcia

On 11/29/10 Ron Hagolin wrote: after a year and a half of dealing with BOA I am contacting a attorney

July of 2009 I was injured at work and lost job , called BOA and informed I needed help they sent out paper work for loan mod ,

Before I even got paper work they started paying tax`s that weren’t due . after verifying this they turned around and paid them again

(There was never a escrow account on my loan)

At one point BOA had me at 6000.00 escrow amount BOA idea of help LOL

It has been a year and a half with calls every month to BOA Back in June 2010 I was told they needed more paper work and didn’t have a good number for me

I HAVE LIVED HERE 18 YEARS NUMBER HAS NEVER CHANGED

I have never been late and was forced to collect unemployment to verify income And that hurts my case for SSI Disability case

The loan was from country wide and was 50 fraud inflated value of house , In Texas against the law to borrow more the 80 percent of value

Not to mention ex wife went in with me to remove here from loan and deed Guess what she still on deed

IM DONE

Ron Hagolin

Update on 12/09/10: Received a call today from LIZA JAUREGUI Default Servicing Complaint Resolution Bank of America Home Retention Division-Brea

Stating your are the underwriter on my loan mod and that more paper work is needed in 48 hour`s

I need a list of what is needed now !

I have all the original and all the duplicates I have had to send multiple times, My tax return and proof of income was faxed to Liza on Thu 12/2/2010 12:10 PM

And all originals were faxed numerous time over the last year and a half

Ron Hagolin

On 11/29/10 Jessica R. LaFlesch wrote: Mr. Moynihan, I obtained your contact information from the PiggyBankBlog.com. Please know I am writing you as a last resort and have gone through almost every possible avenue without resolution.

Just as the economy was taking a downward spiral, I suffered an illness that nearly cost me my life. At the time, I was working as an independent contractor; if I was not able to work, I was not able to earn.

My health started to take a turn for the better in 2009, however our savings were drained, 401k depleted and our stock portfolio was non existent. We received notice that Bank of America intended to foreclose upon us during a phone call in August of 2010. It was a call I was making to try work out some type of arrangement. We were told we did not qualify for any type modification as we had already been given a modification in the Summer or 2009 that reduced our monthly payment by less than $75. Our monthly payments were over $2,000. As you can imagine, this provided little – if any – relief.

Our foreclosure auction was postponed and we were told we were ‘under review’ for some type of modification. If you review our account history, you can see that we have been making regular and in some months, multiple payments. During the last several months, I have been calling very regularly to check on the status of this ‘review’. Each time I call, I am transferred multiple times, hung up on, told ‘not to worry’ and that our case is still under ‘review’. On multiple occasions, I have advised that I am now working full time again and as a result our financial situation has changed. I have asked the past due amount be rolled into our existing loan and our account be brought current. I am not asking for a principle reduction. I am not asking for any fee reversals. I am only asking for my account to be reaged. During a November 1st call I was advised by a Shontey (sp) that this IS possible and she knows this because she used to work in ‘that department’ – she called is a ‘capitalization / regular modification’. I was transferred (again) and Kevin in the Home Retention Department said he could start this process, but that it would ‘mess up’ the review process we are in now.

I called today to inquire yet again on the status of this review. The first three people I spoke with told me it was still under review and “do not worry”. I was transferred four times and hung up on once. I then requested a stateside manager. I spoke with a very nice gentleman named Tyler. Tyler advised me that we were not in ‘review’ and we did not qualify for any type of modification. However, he did offer to re run the financials again. He also advised that neither he nor his immediate supervisor has ever heard of a ‘capitalization / regular modification’. Please note this is the exact opposite of what I had been told previously. I was so frustrated that I apologized to Tyler and ended the call.

Mr. Moynihan, I am a former employee of Bank of America. I worked in your Phoenix Credit Card Fraud Prevention Unit and have saved Bank of America more money than I will likely earn in my lifetime. I left your company only after a senior department manager tried to reprimand me for something I did not do. I was great at my job. I loved my job. However, I loved my principles more.

As a current customer, former B of A family member and average working American, I am asking that the remainder of the $8,153 past due please just be rolled into the balance of my loan and my account brought current.

Please. I am one customer at a time.

I support John Wright vs. BofA Lawsuit!

Kindest regards,

Jessica R. LaFlesch

Update on 12/10/10 Jessica wrote: Hi John, I just wanted to provide you an update. Our account was assigned to a Senior Negotiator who has yet to return a call or reach out in any way. I have left voicemails for this Senior Negotiator over the last week- none have been returned. Today, I attempted to reach Raul in the Customer Advocacy Department. While Raul was unavailable, I was able to speak with a very nice lady, Sherry. Sherry attempted multiple times to reach the assigned Senior Negotiator, but was unable to. She was able to get me to a Unit Manager, however this call proved to be just as frustrating as every other call. She sounded rather curt and it was apparent she had no desire to talk to me, never mind assist me in any way, shape or form.

I was told to wait, they would reach out, yadda, yadda, yadda.

Very disappointed, but hanging in there…

Jessica

On 11/30/10 Cheryl F. Holt wrote: I have cooperated with the 3-month trial program described in the attached correspondence. I verified with Amanda Ezell, your underwriter, and the Bank repeatedly that the trial program was inclusive of my first and second mortgages. Now the Bank is harassing me with calls many times a day reversing its position and demanding payment on the second mortgage. To my disappointment, Ms. Ezell is pleading ignorance and states she is no longer assigned to my loan.

How convenient for the Bank of America.

I purchased my property in 3/2006 from Countrywide for $305K; it is now valued at about $140K; it was a predatory loan. Nevertheless, I was never late on a payment.

It is evident the Bank is forcing me to fail; forcing me to foreclosure.

Demand is hereby made that the Bank honor an adjustment on my mortgage inclusive of the first and second.

I support John Wright vs. BofA Lawsuit!”

I AM ONE CUSTOMER AT A TIME

Cheryl F. Holt

On 12/02/10 Ane Ormaechea wrote: I am a 32 year old female who has an equity loan that was bought by your bank couple years ago. I put over $300k on the house before borrowing the loan not including remodelation and construction invested in the property. I owe 256,000 out of $270000 that was my original loan. I am at a 7.125% for 30 years and have 25 years left. I pay aproximatly 30,000 in interest to your bank. I took that money to begin my own business (a restaurant) and because of the economy I struggled for years to pay this loan and bills, etc. Since I have not been able to refinance because I don’t make enought money, I started the process of making home affordable in Nov 2009. I receive letters, send the information requeted and every three months representatives of your company, would send another letter asking for updated financial information since the one they had was 90 days old. Around March this year they started a escroll account on my behalf that they stated by law had to have funds to cover insurance and taxes for the following year. I pay $2500 a month now! Once I called to confront them they said they understand it wasn’t fair but the only solution they could come up with is for me to withdraw from the modification. Otherwise, I had to make the payments or I would be considered in defalt and it could damage my credit and potentially cost me my home. Which by the way it’s woth doble of that! Now, in august of this year once I had closed my business and sent a letter stating they needed to move faster as I was now unemployed and at a higher risk. I told them out of desparation that I would go to the media to expose them if necessary and I would. I received a letter stating they had received all my information and they forwarded it to the underwriter for verification. I’ve called 50 times since then and always get the “someone is working on it and no updates have been made”. What do I do?! How long does it take to know I qualify and even if you assist me and lower my loan to a 3% you still make a ton of money!!!!!!! What’s going on in this world that we live in? where the banks that have put us all in this mass. we bailed you all out of our pockets and you continue with no restrains to abuse us?! I am sure Obama and the congress didn’t mean to pass this laws to allow you to continue to get rich through damaging others people’s lives. You could still make money and be fair.This could be you and your family one day. NONE is exempt from suffering not even that high up off the ground. BE HUMAN. Please feel free to call me at xxx-xxx-xxx

I support John Wright vs BOFA lawsuit!!!

I AM ONE CUSTOMER AT THE TIME.

Ane Ormaechea

On 12/03/10 Ken wrote: you lied, ruined my life, and mislead me i have a standard hardship fix my loan, im a general contractor,work just about stoped, clear cut hardship case,

account #xxxxxxxx

im in the middle of a repayment plan, no help has been given just put the past due on the

back of the loan and make it a 40year loan, im not asking for a principal reduction or rate,

you could solve half your loans and keep same underwater note a win win

On 12/06/10 Jennifer Smith: Dear Mr. Moynihan, I am writing to express my utter dissatisfaction with Bank of America. I think it is appalling the way we as consumers are being treated by this organization. Before I voice my compliant I thought it would be important to let you know that not only does BOA hold my mortgage, but I also hold personal and business checking accounts as well as a personal savings account.

I am a single mother who was diagnosed with stage 3 Invasive Ductile Carcinoma (Breast Cancer) in May, 2010. The months to follow would be trying at best. Then in September, 2010 while undergoing treatment I was let go from my job. Knowing that getting well was my first priority, and the fact that while undergoing treatment as well as several reconstructive surgeries I would be unable to obtain any type of full time work for several months. In a state of despair at that point and not knowing what to do or how I would make ends meet I started doing research to find out what type of programs or assistance might be out there for someone in my state of dual hardship. It was then that I found out about BOA Mortgage Modification program for FHA Mortgage holders like me. Based on the criteria listed I am extremely qualified for this program. Naturally, I was ecstatic upon finding out this information. I immediately called the number, went through a series of questions with the representative over the phone who did determine that I was eligible for the program and that an application would be sent out to me. That call took place on Sept 9, 2010. It is now Dec 5th, 2010 I have yet to receive the application. I have called numerous times to find out why I have not received the application and each time I am told a different story. The last call was about a month ago and I was told at that time that an expedited application packet would be mailed out to me, of course I still do not have that application.

I was told on the phone that if I fall behind on my mortgage that I would no longer be eligible for the program, however I am at the point where I may have no choice but to fall behind. I’ve been managing on fund raisers and donations to stay current, but it will not last much longer. Is this the BOA tactic to not have to modify a mortgage?

I am appalled by this and for the life of me cannot understand why it has been 3 months and I still do not even have the application. I’m sure that this is just the beginning of a long, difficult and frustrating journey that I am forced to take with no recourse.

If there is any way at all that I can receive my application I would be highly appreciative. I am not someone who wants to default on her mortgage. I do not expect or want anything for free- I’d like to take advantage of the options that are supposed to be available for me so that I can continue to pay my mortgage on time.

Thank you for your time and consideration in this matter.

I support John Wright vs. BofA Lawsuit!

Sincerely,

Jennifer Smith

On 12/06/10 Kristal Baldwin wrote” Our first mortgage was restructured through NACA in October of 2009, however; they were unable to reduce the payments on the second mortgage. I sent in all the necessary documentation on two or three different occassions and nothing has been done. I have been calling BofA two times a week for the past 8 or 9 months and the representatives keep telling me the file is in review.

What can be done to expedite our modification? My mom and need something done as soon as possible because we are a few months behind in our payments.

Our first mortgage was lowered to $2001 with an 4% interest (tax/ins included)

Current BofA Payment: $932.42 with an 11% interest rate.

Please contact me via email or by phone at (xxx) xxx-xxx.

I support John Wright vs. BofA Lawsuit!

Thank you.

On 12/08/10 Antoun and Sabah Moussa wrote: Dear Mr. Moynihan, Our names are Antoun and Sabah Moussa.

We were put on a trial modification for one whole year (our monthly payment was $1,932.99). I received a so-called loan modification from BoA last week as follows:

1) The new payment was higher by $581.31. The new monthly payment of $2,581.31 is more than 40% of my gross income.

2) The escrow amount was higher by $111.52 than the actual amounts.

3) The County name is wrong on the documents (instead of Montgomery Country, you have Prince Georges County).

4) Almost $23,000 in interest was added to the mortgage balance.

5) What happened to the almost $2,000 we were paying for one whole year during the trial period? We don’t see where they went to – do you?

6) Our principal balance was $561,720; now it is $595,055.56 ($33,335 was added to the loan balance). Can you explain this?

7) The loan modification is only for 5 years and then our payments will go up by $358 for one year and then the payment will go up again by $520 for one more year and then I am back in limbo again.

I did not sign the contact and sent Ms. Gina a registered letter explaining that the above was not acceptable, pointing out the errors. I received a call back from her and she told me that if we don’t sign the contract, we will not receive another modification.

Is this how you conduct business?

I support John Wright vs. BofA Lawsuit!

“WE ARE ONE CUSTOMER AT A TIME.”

Antoun and Sabah Moussa

Update on 12/14/10 Sabah wrote John: Dear Mr. Wright, I got a phone call from BoA today saying that my loan work-out has been closed and that I will be receiving a letter to foreclose on or after January 13, 2011.

Can you please let me know what to do?

I reported my case to the OCC and the FCIC and also to my Senator.

Please help!

Thank you,

Sabah Moussa

On 12/08/10 John Dallas wrote: Dear Sir, My name is John Dallas and I reside at 685 Meadows Lane, Social Cirle Ga. 30025. But for how much longer I do not know. For the past 20+ months I have been involved with BofA trying to recieve a modification program to assist my family and stay in my home. I have spoken to many assossiates and customer service persons. I have been approved twice for a modificationin which both times somehow fell thru and I did not recieve my modification. The last time I was told it went thru and I would be recieving my new statement in the mail for my payment and recieved instead a letter saying sorry we can’t help you. I recently sent three goodfaith payments and only two were recieved. I have been round and round with you to try and solve this dispute. I am even willing to just resume my regular payments. I asked if you could just modify my loan to help with the monnies owed in back payments. If BofA would not have stopped taking my payments I would not be in this bad of shape. I truly believe the policy needs to be changed. No matter what the status is for someone the money is still owed and if allowed to pay it would not let a person go further into the hole. Please Sir, I want to keep my home. I have a family and no where else to go. I’m sure you may hear this alot, but I do. I’d hate to think after we the tax paying people lent you 60 billion dollars so you could keep your jobs that you could not help me out with a measily sum of money and help me out. I’m also sure you don’t need or want another house. I love my home and want to keep it. Can you HELP! Thank you.

John Dallas

“I support John wright vs BofA lawsuit!”

On 12/10/10 Ryan Espineli wrote: Dear Mr. Moynihan, I wanted to bring to your attention the following incident and payment transactions that I have made on my mortgage account. Since I was able to save enough money to pay my outstanding balance for my mortgage, I made the following payments to my mortgage account:

————————————————————-

Phone payment confirmation # xxxxxx

Posting date: 12/06/2010

Amount: $2,082.36

Check number: xxxx

Account number: DDA-xxxx

————————————————————-

Description: BANK OF AMERICA MORTGAGE Bill Payment

Posting Date: 11/29/2010

Amount: $2,082.36

Type: Online Transaction

Account Number: MyAccess Checking-xxxx

————————————————————-

The payments above should have brought back my account to current status as I have paid all my balances with the exception of the $156.18 Late Charge. When I spoke to the Customer Service Representative who took my phone payment, they had advised me that only the negotiator can waive the late charge. They had further advised that after 2 to 3 business days, my payments will post on my mortgage account and that I can see this online.

However up to this day, the payment have still not been posted. I have been trying to contact my new negotiator below but I have not received a response:

Roque Perez

877-430-1431 x 14123

I believe I have fulfilled my obligation to pay my mortgage account but it seems that Bank of America is holding up something and is not posting in to my mortgage account. I have saved my hard earned money just to ensure that I am able to make payments and have peace of mind that I can still keep my house. Could you kindly please refer me to the right people who can get this cleared. Otherwise, I will be obliged to take some legal action for the Mortgage department for not posting my payments and not responding to my request to waive the $156.18 Late Charge. I am sending this e-mail as well to both my US Senators from Maine so that they can intervene regarding this matter. I have received too much runaround from Bank of America and I am expecting a little bit of respect as a customer just trying to pay and keep up with the bills.

Sincerely,

Ryan Espineli

On December 13th, 2010 Dell Johnson wrote: Dear Sir: I have wrote to this Bank of America numerous times in regards to my home loan and has been on this Home Make Affordable pre-modification since June 2009. I have been making my Home Make Affordable pre-modification payments since June of 2009 for the amount of $658.04. Yet this Bank of America has continue stalling in allowing me for a permanent modification and I want to know why since Fannie Mae owns my loan. Now I am requesting you to send me the note that you have on my home.

I want to know why is my escrow account over the amount that it should be. My taxes are a certain amount $ 1,033.65 for 12 months escrow amount should be $86.14; the insurance amount should be $1,535.00 amount for 12 months escrow amount should be $ 127.92; the principal should be

$ 551.74 now the total amount of my escrow account and payment should be $54.51+$ 86.14+$ 127.92 +$551.74 for a total of $820.31 and not this over figured they have been reporting . I want this correct at once. Also I want my credit corrected as well with all three major credit bureaus.

and the final would be the PMI which would be $54.51 for 12 months so how come my escrow amount is figured incorrectly. I brought this to Bank of America attention more than once and they refused to correct this. This was a month after they had analyzed the account and I informed them this was incorrect and also told VP Mr. Jim Price who works out of Forth Worth, Texas about this escrow analyze and how they continue, to pull my credit report weekly, giving incorrect credit information, and stating I owes 24 years and 4 months on my loan.

Last then my equity for my loan is not correct either. I purchased my home in January 31, 1996 and Bank of America show that I have 24 years and 4 months payments and this is incorrect when I had a 30 years loan and been in my home since January 31, 1996. I should only have left 15 years left on my loan when I have been in my home almost 15 years.

I look forward to hear from you in regards to my complaints and issues. This lady Ms. Taleshia Smith keep writing response to my complaints and they are not being corrected or resolved because I would not continue to write if there were corrected. I do have a case with Office of the Comptroller of Currency case No. xxxxx. You can not contact anyone on my account anymore. I would like this matter resolve to bring my loan current with my Make Home Affordable Modification since I know that Fannie Mae is my holder of the account and Bank of America just service this loan.

Ms. Taleshai Smith wrote and stated in a letter dated on October 14,2010 that my Home Make Affordable Modification went in for final approval on September 27, 2010 but I have never heard from anyone in regards to any type of status on my account and it been over 2 months since this date.

On 12/13/10 Michael Evans wrote: I was laid off in Oct. 09 and called Bank of America to find out about the modification program. At this point I had not missed any payments and was not late. After giving all my in info to the person on the phone I was to I may qualify. I was given a temporary payment and told my packet would be there within two weeks and to fill it out and return it. It took months to get that and I had to submit it at least 3 times! I was never told that while Bank of America was taking it time with modifications that my house would go into foreclosure and my credit would be destroyed. All my credit cards shut me down and raise my interest rates and doubled my payments due. Worst of all I was denied my son’s student loan for his senior year! I read every day how Bank of America has failed its customers after taking billions of tax dollars. I never wanted a handout from you I just thought maybe I could extend my loan or something just to get through these hard times. The stress has been so great that I don’t think my marriage of 28 years can survive much longer under these conditions.

I support John Wright vs BofA lawsuit.

Thank you for not being honest,

Michael Evans

On 12/13/10 Jacklyn Hoang wrote: Hello, My name is Jacklyn Hoang. My loan number xxxxx, my phone xxx.xxx.xxx my address xxx W Edinger ave, xxxxx Ca 92704

I would like to complaint about my Loan modification from BOA. I’ve received the letter with all the agreement and new payment from my Loan Modication from BOA on October 14,2010 and I did sign all the document and mail it back, and BOA was received it on October 19, 2010 but I got send back on October 25, 2010 so I called Hope team to find out what happened why my document get send back and they told me because I live in California and need a Notary paper and I have told them why don’t you guy send me that Notary paper from the first time when you send that doc? and they have told me some how the bank forget to attached that Notary paper so I have do get Notary ASAP and mail it back right away to get the modification completed and I did mail it back by Fedex on the second day and you guy received it on October 27 ( Fedex tracking #xxxxxxx). Then after that day I keep call back every week to check on it and whatever I call the agent told me I’m good to go, and just wait from person working on my loan to complete it But I call back today and they have told me my Loan modification got decline because I submit the paper work are late and I have to reapply it…But I’ve told them what I told you on top but they keep telling me to reapply it because they have to follow the guide line but this is not my fault. Now my loan was 8000 dollars late because of that Loan modication, and I would like to complaint to you and I hope I can get the better result soon….Please call me back

I support John Wright vs. BofA Lawsuit

On 12/14/10 Timothy Huynh wrote: Dear Brian, I’m a valued Bank of America customer for over 10yrs now. I had my mortgage in October 2008. I had applied for a Making Home Affordable Program since Feb. 2010. I was downsized in October 2009. In Feb 2010 I called Bank of America Morgage for help they said ok your Trial payment will be $1777.84 included with the property tax and insurance my current mortgage payment is only $2065.01 without property tax. Even though I was told to make that payment I continued to make my regular payment of $2065.01. I submitted all necessary paperwork Affadavit, Income, Tax, hardship letter, and etc. I called in almost on a daily basis to find out what’s going on. All I get is wait for 45 days. After 45 days I called backed and they say wait up to 90 days. While I was still waiting I received phone calls and a letter to accelerate my home. Even though I was told to make a payment of $1777.84 instead Bank of America opened an escrow account and increased my payment to $3200. I asked is this normal and can I cancel my escrow account and they said it’s normal and I can cancel the escrow if I don’t want the loan modification. I have called the Hope Team, Home Retention Team, Home Preservation, MHA Status and no one knows what’s going on with the loan modification. Everytime I called in they tell me the underwriter is working on it. Than I would called the following month the underwriter is reviewing the document and needs me to send updated income. I would call again the following month the underwriter have submitted to the review board. Than I called again the review board have send it to the senior underwriter..I called again the following month the underwriter have submitted with the Investor (Fannie Mae). Than a month later the paperwork is with the underwriter and he is reviewing the paperwork…after Hell with Bank of America I decided to cancel the loan modification and requested the escrow account to be closed. They closed the escrow and reopened it the following month because they said Fannie Mae the investor required that I leave the escrow account alone and that I can’t close the escrow even though I was never late in my payment and my original contract does not require me to have an escrow account. Not only that Bank of America escrow department made a Unsecure Property Tax which does not affect the house which I do not own which was owed by the previous owner which I called the Orange County Tax Assessor that they are aftering the previous owner but Bank of America instead made the payment and have forced me to pay them back and now I have an escrow account which caused my house payment gone up and they made a Unsecure Tax which was not owed by me. I’m considering suing Bank of America with everything I have. It has caused over 9 months of stress for my family.

“I support John Wright vs. BofA Lawsuit!”

Thanks,

Timothy Huynh

On 12/15/10 Charlie Holling wrote: Mr. Moynihan: I am sending this e- mail in a desperate attempt to resolve once and for all my loan modification request. My name is Charlie Holling and I live in Windsor California. Back in November 2009 My wife and I applied for a loan modification on our home. we were immediately approved over the phone. A short time later our modification packet show up Fed Ex. We returned ALL THE REQUIRED DOCUMENTS AS THE INSTRUCTIONS STATED. Our trial payments began all looked good. At the end of the trial period I called to check the status I was told our loan is in review. I was told to continue making the trial payments. in Sept of this year we got our letter of denial. Since then its been pure hell with B of A. And now facing foreclosure. We have been told every excuse know in the industry for why we were denied, starting with missing w-2′s, tax papers not signed, documents not received and so on and so on and so on. Recently I received 4 letters of “INTENT TO ACCELERATE” in I don’t pay 10,000.00 in late fees and missed payments. Lets be clear I have made a payment every month since all this crap started. B of A now wants the difference between my modification payment and the actual payment or they will foreclose on me. Now my 10 year old son is so scared of losing his home and not having a Christmas. He asked me ‘Dad does the Bank of America president have a good Christmas, why would he take our home.” is that nice or what. Finally on Saturday Dec 4th I had an agent from customer service call me and tell me I am 5 payments behind. I told him off and very loudly mind you. I have made every payment every month and you had better get your story straight. I told the agent to contact HRD. As my wife and I struggle to make our payment every month and when we do there is nothing left. I’m sure you don’t live this way. So please take a proactive approach to this and make it better for my wife and kids. PLEASE.

“I support John Wright vs. BofA Lawsuit!”

I am one customer at a time

Charlie Holling

Windsor, California.

Update on 12/22/10 Charlie wrote: Brian, your Bank of Abusing America is SCREWING ME AND YOU KNOW IT. Today I got a FED Ex package from your *&^&^%$%^ bank. Get this , you have admitted making a mistake and it is in PRINT. Now your poor workers are asking me for more Docs that MY WIFE AND I have sent you already. In fact we have sent them three dam times. I have opened a case against you and Bank of ABUSING AMERICA with the Comptroller of Currency. I sure you have heard of them right. Furthermore let it be know to all that I agree with NEVADA and ARIZONA and I will PREVAIL.

I am one customer at a time

Charlie HollingWindsor, Cal.

Update on 12/27/10 Charlie wrote: Brian, I know you are getting my emails I wonder why you don’t respond. How can you as a person cause such TERRIBLE HARM. Your bank has ruined my credit. I know you could care less. You have caused Pain, Hate, Discontent, You have stolen from us, you have threatened my family, as I stand beside every American that has issue with Bank of Abusing America. I hope the day comes that I can stand up in a court room and (with proof in writing) testify against YOU……..

I AM FIGHTING BACK

I AM ONE CUSTOMER AT A TIME

Charlie.

01/03/11 Barry Baird of BofA wrote Charlie: Mr. Holling, Looks like my earlier calls last week must have already pushed it through. I hadn’t seen a written response yet so I engaged someone this morning to follow-up. If you already heard from them Friday then I may have not gotten the summary yet due to the holiday. With some folks being out last week I wanted to ensure this kept moving forward so I’ll follow-up with the manager and confirm that everything is ready to go.-Barry

01/03/11 Charlie wrote Barry Baird of Bofa: My wife recieved a phone call on Friday from Emily Clodfelter and she stated to my wife that our modification looks to be approved. Once again your email states otherwise, in otherwords left hand does not know what the right hand is doing. Furthermore according to Tina in the loan appeal dept all her supporting documents were in order. Why do somany people have to look at my docs. How much longer will this take 2012 ?

01/03/10 Barry Baird wrote Charlie: Mr. Holling, Looks like my earlier calls last week must have already pushed it through. I hadn’t seen a written response yet so I engaged someone this morning to follow-up. If you already heard from them Friday then I may have not gotten the summary yet due to the holiday. With some folks being out last week I wanted to ensure this kept moving forward so I’ll follow-up with the manager and confirm that everything is ready to go. – Barry

On 01/03/11 Charlie wrote Barry Baird at BofA: Thank you, what happens now. and what are my payments 1654.95??????

On 01/03/11 Barry Baird at BofA wrote Charlie: Mr. Holling, The original trail payment for the MHA program was $1,654.95. As for the monthly payment on your new modification program, Emily won’t have that information yet. The underwriter approves information based off of the loan and current payment and income ratios once the documentation has been received. This is where your loan modification is in the process. This information then all gets entered into the loan modification models to determine additional information such as the modified payment amount, applicable interest rate, etc.

Once Emily gets back this finalized information she will know these details and can share them with you. She is out of the office today but will be returning tomorrow. I’ll forward her this email and request that she responds to you as soon as possible. Barry

01/03/11 Charlie wrote Barry Baird back: Barry, I just got home and read your response, you state in your first reply that our loan is completed and approved. Lets be perfectly clear, we were told this over the phone in November of 09. Now, how is it that , so many people have jacked us around. Afterall , how much more infomation do you really require. I thought your first e mail was good news. Boy was I wrong. Besides you said it was completed when its not. if your the MANAGER WHY CANT YOU WALK THIS YOURSELF THRU THE PROCESS? I know for sure that more than 32 people have been involved. Furthermore how is it that EMILY can call my home and say all looks good, your e mail states the same, then you say its still in the information process. WOW. Its too bad you dont know the health issues this has caused. I think you could care less.- Charlie Holling

Update on 01/04/11 Barry Baird wrote Charlie: Mr. Holling – I’m not sure I’m fully grasping your concern below. We do not need any additional information from you at this time. We’ve been in contact multiple times since I initially reached out to you last week so I wanted to keep you informed through each step of the process – as I stated in the previous email I’ll have an update for you later today when Emily returns on the outstanding loan details.

I’ll be in the office today until about 6pm EST. Please call me at xxx-xxx-xxxx and we can discuss any remaining concerns.-Barry

On 11/04/11 Charlie wrote BofA: Barry, I don’t know where to begin again, tonite when I got home there was a message from Ellison or Allison @ xxx-xxx-xxxx. I don’t know this person. But Im am really getting pissed off now. Here is why. To begin I have been tossed to every person the the god dam world, now I have to speak to someone else. I don’t know how this is HELPING ME the bank does not need to speak to me. This person stated she wanted to touch base with me. WHY? If you were proactive here Barry you would have given her my cell phone number. do you remember that’s how you contacted me. Regardless, this is the CRAP I AM sick of. First I was handed to Emily Clodfelter, who passed me to MS.Evelle who passed me to a negotiator. Then I speak to you and you pass me this person who called today.. Are you for real. This now makes it 37 people who have touched my ^%$#&^%$# loan. I hope you call me tonite. You have my cell phone number.- Charlie Holling

Update on 01/10/11: Hi John, I’m not sure where my situation is headed, I will say that I got a phone call from Allison at Bank of Abusing America today. She stated that my modification was in the modification model phase. I don’t know what that is nor have I heard of that term. But, she did say that the Dept of Treasury needs that model before moving forward. So let me get this straight, for the past two years I have been jerked every direction by B of A and now o find out the Feds have to bless the paperwork too. Who is backing this modification? And I wonder how much longer I will wait for closure. So we do all the paperwork send it in, get denied, then we appeal, then we raise hell, then we submit more information, then we send in more information, then we send in more information. Then the bank gives it to the Feds so they can see if they need any information, REALLY? Sound like crap to me if this is an MHA program why don’t we just deal direct with the funding agency and screw the bank. I wish i could try to understand this mess. I am hope-full that I am closing in on this. I don’t know how much more blood I can give.

I support John wright, I am fighting back, I am one customer at A time

Charlie

On 12/14/10 Heidi Hickam wrote: First off, my name is Heidi Hickam loan number xxxxxxx. I have never been more disappointed in a company in my entire life. I have spent hours and tears, trying to figure out what is going on with my account. It started back in June when I received permanent loan modifaction documents from your company. I signed them, sent in the required money, and thought I was done. Since then it has been nothing but headaches from you guys. No one will post my money, and no one at your company can tell me why.

You guys have over $3000 sitting in a partial payment section. Since then, my escrow has been almost emptied, and I have received numerous letters stating default on my end. I contacted the attorney general in missouri, who finally got someone to speak to me. Pauline Fraser office and CEO of the president has been wonderful in helping me. As of Dec 2nd, everything had finally been posted correctly. We signed up to have monthy debits from our account. Dec 7, it all fell apart again, someone went in and tore aprart my account, and I received a pending foreclosure notice. If I do not send you guys $806 by Januray 7, the foreclosure process will begin, and WHY? I have never missed a payment. I find out on Dec 15th, that you guys turned around and decided to REDRAW my loan docs, and no one can tell me why. They want me to resign, for a slightly higher payment? and send in an extra payment with these loan docs?

I have saved absolutely EVERYTHING from you guys stating that we were fine, we had our new interest rate, new payment, all is good. And then out of the blue, you change things, send foreclosure letters? I do not believe this is legal. You can not just up and change legal and binding documents without forwarning the customer. I have since, contacted the attorney general again and have contacated an attorney. I will not sit back and lose my house like you guys are doing to thousands of other Americans. I have never missed a payment, I have done absolutely everything you guys have asked of me (sometimes two or three times over because you keep saying I never turned in my documents EVEN THOUGH i saved the tracking numbers of the things I sent back. I not only send my things fed ex back to you, but I also

fax everything.

I need answers, I need this to end. Please call me to discuss

Heidi Hickam

On 12/20/10 MARK J SKADSON wrote: mr brian moynihon, my name is mark j skadson of lacrescent minnesota and this is my business cell where i can be contacted at. (xxx-xxx-xxx) your bank says they hold my mortgage. i am emailing you in regards of my home that is in foreclosure and the sheriffs sale date is set for march 23 2011 at 10:00 am. i have already posponed the first sheriffs sale that was set for october 20 2010 at 10:00 am. i do have that right for living in minnesota. i have attempted since december of 2009 to renegotiate my loan due to my hardships and the economy. i have an immune disorder & chrones disease. i also had to take two pay decreases from my employment from june 2009 – january 2010. how much more hardship does a person need before it gets someones attention? i have worked with numerous representatives from your bank on many occasions (to many that i lost count) by phone, mailing, and faxing mountains of paperwork. you know where that got me right? i am very proactive in keeping our family home that i have worked very hard for. i have lived in this home almost 11 years with my wife & two children that are 7 & 16 years of age. i never had a late payment with countrywide and bofa in the 10 years that i have lived in this home. i had a super credit score credit was no problem for me until you and your bank took that all away. now one year later you just want to take my home from me and my family without even trying to renegotiate my loan and looking at all options. shame on you and everyone else that has been involved with this forclosure fraud. now i have reason to believe that i am a victim of predatory mortgage servicing and also predatory lending. i have recently hired an attorney and i will go thru the court system to fight for my home because now i believe that bofa does not own my mortgage. if bofa can not produce the note they can not foreclose on my home. this has been a very traumatic experience on myself and my family. maybe you should take a real long hard look at my loan note and see for yourself just what i am doing to keep my home. your bank does keep track of everything that has been submitted and all phone calls recorded right? remember your bank got a bail out and i am sure you have a very nice home to raise your family without someone trying to steal your house from you. i have already filed a complaint to the office of minnesota general attorney lori swanson and the next one on my list is the occ and i am going to continue down the line.

I AM ONE CUSTOMER AT A TIME

i support john wright vs. bofa

MARK J SKADSON.

Update on 02/05/11 mark j skadson wrote: Mr Brian Moynihan, it has been brought to my attention that my loan now is in the hands of a tracy brundidge in the home retention division that is a debt collector. (877-345-6431) extension # 14493. according to a lori warren from the office of ceo president of bofa. (877-498-7226) extension # 3801. what happened to mr mina mettry (senior negotiator) in the home retention division that was assigned to my loan according to a anthony estrada. (800-405-0078) extension #3921. what happened to camilia from the office of ceo president of bofa? (800-405-0078) extension # 3910. it has been 13 months and 5 days and i am still counting. mr brian moynihan you and your bofa are still using your fraudulent, unethical, illegal, and abusive methods on me. mr brian moynihan you and your bofa have manipulated, mislead, extorted, and gave me false hope and abuse. again i respectfully request MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE. i will also be making a request to produce MY ORGINIAL WET INK SIGNATURE PROMISSORY NOTE to mr steven h bruns. the fraudulent, unethical, illegal, and abusive foreclosure attorney for bofa. the address is peterson, fram & bergman, p.a. 55 east fifth street, suite 800 st. paul minnesota 55101-1718. (651)-291-8955. I will be documenting all my emails sent to you mr brian moynihan on piggybankblog.com

I SUPPORT JOHN WRIGHT VS BOFA LAWSUIT AND JOHN WRIGHT SUPPORTS ME AND I AM FIGHTING BACK .

mark j skadson

Update On 02/15/11 Mark wrote: Mr. brian moynihan & lori warren, (877)-498-7226 extension # 3801, it has now been 13 months and 15 days and still counting and no modification on my loan. you are just STEALING MY HOME FROM ME ONE DAY AT A TIME. what happened to my update from fannie mae that was suppose to be in 3 days from 2/7/11 (monday)? it is just another potentially irregular, fraudulent, unethical, illegal, and simply abusive method on bofa’s part to potentially string me along, delay, and otherwise hinder my loan modification process. i am still requesting MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE from bofa and the foreclosure attorney for bofa mr. steven h bruns / peterson, fram & bergman, p.a. 55 east fifth street, suite 800 st. paul minnesota 55101 (651)-291-8955

I SUPPORT JOHN WRIGHT VS BOFA LAWSUIT AND JOHN WRIGHT SUPPORTS ME AND I AM FIGHTING BACK!

PIGGYBANKBLOG.COM

mark j skadson

Update on 02/16/11 Mark wrote CEO: BROOKSTONE LAW FILES LANDMARK JOINDER LAWSUIT AGAINST BANK OF AMERICA AND COUNTRYWIDE THE CASE IS WRIGHT ET AL V. BANK OF AMERICA, N.A. ET AL., CASE NO. 30-2011-00449059-CU-MT-CXC FILED IN ORANGE COUNTY SUPERIOR COURT ON FEBRUARY 9, 2011

I SUPPORT JOHN WRIGHT VS BANK OF AMERICA LAWSUIT AND JOHN WRIGHTS SUPPORTS ME AND I AM FIGHTING BACK!

PIGGYBANKBLOG.COM

MARK J SKADSON / STACY A SKADSON

Update on 02/23/11 : Dear mr. brian moynihan & lori warren, now it is 13 months & 23 days and you are still stringing me along. what fraudulent tatic are you going to be using on me this week? your bank has used every fraudulent tatic on me to keep me from getting my loan modification. mr. brian moynihan, and your foreclosure attorney for bofa mr. steven h. bruns from st. paul minnesota are stealing my home from me one day at a time. i am looking to see evidence of meaningful change and that is not happened. you just continue to use potentially irregular, fraudulent, unethical, illegal, and simply abusive methods on me. mr. brian moynihan & lori warren and what ever team you have to assemble, manage to do the right thing for my application to be processed, i will not only be grateful but as i am also documenting this on john wrights blog – piggybankblog.com look at this as an opportunity to for some much needed positive publicity.

mark j skadson

On 02/2/11 Mark J Skadson wrote: Dear Mr. Brian Moynihan, I have emailed you Mr. Brian Moynihan CEO, of Bank of America many times since 12/20/10. The purpose of my emails to you was to acknowledge my experiences of the potentially irregular, fraudulent and simply abusive business methods you have inflicted upon me, but to give you an opportunity and for me to see if there was any humanity, to go on the record with specific steps that you are taking to address my loan modification process. Now it has been 13 months and 28 days and all of it has been lip service by your bank representatives. Like I have said before I am looking to see evidence of meaningful change and I have yet to see any of it. Mr. Brian Moynihan you have had 13 months & 28 days to give me my loan modification. Now it has also become clear to me that I need to obtain legal counsel which I will be pursing later today as well. I have also emailed you 3 attachments for your review on February 27, 2011 at 7:12 p.m. from the STATE OF MINNESOTA OFFICE OF THE ATTORNEY GENERAL that I will also be posting on PIGGYBANKBLOG.COM

Mark J Skadson

Update on 03/03/11 Mark wrote: Dear Mr. Brian Moynihan, Did you enjoy having someone come to our home to take pictures of the outside of our home that you are trying to steal from us? Then to have one of your potentially fraudulent bank representatives her name was (karen) call me on March 2, 2011 and tell me that I can not afford my home that I have lived in for almost over 11 years and never having a late payment with countrywide & bofa. It took your potentially fraudulent bank representatives 14 months & 3 days to come up with that work out option? Your bank was never planning on helping any of the hard working americans like myself. your bank just BAITED THE TRAP for all the hard working americans like myself to tell each & everyone of us we can not help you unless you are 2 months behind on your payments, and now your bank of defrauding america and the investors (fannie mae & freddie mac) that are involved in this potentially irregular fraudulent and simply abusive banking method is rewarded for stealing hard working american’s home’s. bank of defrauding america is a wild beast out of control, who only looks out for their own interests at all times. this is why there must be accountability for their actions, because they are not going to change on their own. that is why i support john wright vs bank of america lawsuit.

SUPPORT JOHN WRIGHT VS BANK OF AMERICA LAWSUIT AND JOHN WRIGHT SUPPORTS ME AND I AM FIGHTING BACK.

Update on 03/24/11: dear Brian Moynihan & Mina Mettry, It now has been 17 days and still no financial packet that has been sent to me. I said before and I will say it again, this is unexceptable to me that someone is telling me I can not afford my home that I am living in. I was borrowed the money in 2001 to buy this home that I have worked very hard for, I have refinanced my home and also took out a home equity loan. I have also made payments on my home for 11 years without ever having a late payment with countrywide & bofa. This is unexceptable what you and your bank are doing to me. Your bank recived a $45 billion dollar bailout of the taxpayer money to make intersest on your bank when that money should of helped out distressed homeowners like myself due to my hardships immune disorder, chrones disease and also haviing to take two pay decreases from my employment. I have been trying for 15 months to renegotiate my loan with you. Shame on you for using your potentially irregular, unethical and greedy banking practices on me. I can be contacted at xxx-xxx-xxxx to discuss this email futher. Thank you for time & consideration.

Sincerley,

Mark J Skadson Stacy A Skadson

On 12/21/10 Harriet Lynn wrote: “I am one customer at a time” - My name: Harriet Lynn Lawson

I began my loan modification quest Dec 10, 2009. My story is not different but a carbon copy of all the Americans who have been treated so unjustly by Bank of America. Yes I waited six month initally calling frequently as advised by Nova Debt, always a run around, being given phony names, unable to answer questions, diconnects, voice mail boxes that never returned calls and so on….In April I was told that all my paper work and my application had been lost and began the process all over with the same results..stone walled no way to get legitimate contact or information. I had lost my job, my former spouse and helpmate died… I was never behind in my mortage never had made a late payment but my mortgage was over 50% of my total income.I was living on savings and social security. I was told I qualified and just needed to wait.

I received my letter of acceptance into the trial period in August. I was instructed to begin my trial of 3 months of reduced payments beginning October 1. I have made these payments on time and in full. Now I am receiving letters from BAC telling me I am behind in my house payments and late fees etc are accruing. How can I be behind when I am paying exactly what you instructed. I have received three such notices of being in arrears. On Sunday, Dec 19 a gentleman came to my door asking me to identify myself and verify my address and he needed to ascertain that I was living in my house and that it was secure. I asked him why he was there and all he could say was that he was independant inspector and gave me a slip of paper addressed to me stating it was important to contact my mortgage company. Those words strike fear in the heart of anyone who has been subjected to this travesty for you know you can not connect with anyone.

I have spent the whole day after a sleepless night trying to get help or just find out..why are you putting me into a false default situation and trying to eventually take my home as the difference between trial payment and original loan payments acrue with added fees.

I have filed a complaint with OCC, notified

Georgia’s attorney general, contacted legal aid and feel I have made no progress because no one will or can help right now.. one lone person in a sea of illegal and greedy practices. Where is my bail out money I GAVE YOU MINE.

I have nothing but my home which I have tried to protect and have been faithful and true in meeting all things asked of me. I am 70 years old and depend on social security income only. I now live in fear, After finding out that three states have suits pending against BAC, that this has been going on for two years I am without words. How can I hope for a resolution of this year long nightmare. Please contact me…”

I support John Wright Vs Bank of America Lawsuit

Update on 01/17/11 Lynn wrote: Hi John: Chatted with you on line on Saturday outlining my lack of response following OCC complaint and the assignment of agent to “oversee” my modification. Jacqui Milton 1-888-455-6955 executive offices responded to my initial OCC complaint and advised that my account oversear would be Shameka Hogan 1-805- 955-7399. Ms. Milton advised me Shameka would be in touch within 48 hours. Of course this never happened can we expect anything else. I called Ms. Hogan everyday sometimes more than once a day for a period of two weeks. Also called Ms. Milton following same schedule. On Jan 6 Ms. Hogan returned my call the only info she could give me was I was in final stages of approval which I had know for some time. No time line nothing further she stated she would contact Underwriter by email and get back to me. Ms. Hogan said she would call me back Friday Jan 7. Surprise, she did not. I began making my daily calls at that time. Still have not heard from either one of these women. You asked me to send you their names and telephone numbers to see if yu could be of help or if you could put me in touch with someone on the exective level of Customer service. I would appreciate any assistance you can give me. I am also available to help Piggybank in any way I can e mail, phone calls, writing, etc.

My name is Lynn Lawson and I am fighting back

Udate on 01/25/11: Hi John and other piggybankers: After 14 months of fighting and great suggestions from Piggybank I received my home modification yesterday, Never give up.

My name is Lynn Lawson and I fought back

On 12/21/10 Pamela Hernandez wrote: Good Afternoon Mr. Brian Moynihan, I am contacting you as a last resort before I seek legal counsel. Since May of 2007 I have been working towards modifying my home loan which at the time was maintained by Countrywide. I completed every aspect of the process in order to have a modification completed and received NO assistance. Countrywide was then bought out and my loan is now maintained by Bank of America. Once my loan was purchased by Bank of America I made contact and provided all necessary documentation. As the harassment continued regarding BAC proceeding with the foreclosure and the sale of my home I sought out assistance from NACA. NACA was able to make some progress, more than I could anyways. I provided NACA with all necessary documentation regarding my finances, my insurance and various other things. At this time NACA completed a budget for me based on the “Obama plan” and it was submitted to BAC. On March 16, 2010, I received notification from BAC via NACA’s website that a modification proposal was available to which I had several questions as to why I was not being offered all of the available terms/conditions that BAC had available. On 3/31/10, I accepted BAC’s offer which was for a new payment amount of $1597.48 PITI. On 4/1/10, in typical fashion I received a FEDEX package from BAC that contained documents that I did NOT agree to. The numbers that BAC were trying to have me agree to were $1871.12 PITI. I immediately contacted BAC via NACA’s website on 4/1/10, 4/6/10, 4/8/10, 4/9/10, 4/10/10, 4/11/10 disputing the documents/numbers/terms that these documents contained which you can verify on the attached document titled “NACA info direct from NACA’s website”. Due to the fact that BAC was proceeding with the auction on my home I was forced to file Bankruptcy on 4/12/10. On 4/23/10, BAC rep Breanna Pennington advised that she was in need of a Bankruptcy authorization in order to send the corrected documents out.

The documents were never sent out and I continued contacting BAC as well as exploring all other options including filing a complaint with the State of California Corporate Compliance Center. On 7/12/10, I continued contacting BAC as despite the fact that I have filed for Bankruptcy BAC had my house set to be auctioned yet again. I resent the same message again on 7/14/10 and on 7/15/10 I was contacted by BAC stating that BAC’s attorney was notified of the Bankruptcy that had been filed. I was also contacted by a representative working out of the office of the president with BAC by the name of Alicia Carrasco. She was working towards bringing this situation to a resolution. However, on 7/30/10, I was notified by BAC via NACA’s website that a title search had come back with numerous tax liens. I was told by Alicia that she would obtain these liens so that I could view them. However, my complaint was then passed onto Arturo Tomlin, another representative with the Office of the President and CEO for BAC. He confirmed the tax liens and even stated that he was reviewing them but advised that he was not able to provide them to me. I contacted the Riverside County Recorders office as well as a title company and have yet to be able to locate any liens against myself or my property. Mr. Tomlin advised that he would work with me but in order for him to do so I needed to terminate my contract with NACA do to ethical dilemmas. On 8/30/10, I faxed Mr. Tomlin verification that I had terminated my contract as he had requested. I was advised that he would now be the driving force and get this situation resolved ASAP.

From 8/30/10 til now I have yet to locate any such lien either against myself or my property. I cannot understand how I am to resolve something that I nor the Recorders Office in the County in which I live can locate. I have asked repeatedly to be provided the liens so that I can review them and then take the appropriate next action but I have been denied the ability or the right to view such information. I received a letter sent by FEDEX from Marina Martinez with BAC that was dated 10/27/10 requesting that I provide proof of release of liens. This letter was misdelivered to my neighbor by FEDEX and therefore I did not even receive it until just before Thanksgiving. I contacted Marina immediately via telephone and left her a voicemail. To date I have left her approximately 4 messages and I have also left Mr. Tomlin approximately 3 messages and neither have bothered to respond to me. I have proof of each and every time that I have called both Marina and Mr. Tomlin and it is extremely unfortunate that neither can make any effort at all to respond. I have rights! I have rights as a customer, as a consumer, as a tax payer, and as a human being and yet all BAC has done to this point is play games with me! How is this ethical? How does this not violate my rights? BAC holds all of the cards here. I have proof that I have been working towards a resolution for months via NACA’s website and yet here I still am with a new auction date!

As I mentioned above Mr. Tomlin stated that in order to help me I had to terminate my NACA agreement/contract yet I reviewed my account today and I find that I have been receiving messages on their website from BAC. Oddly enough I am not the least bit surprised that the right hand has NO idea what the left hand is doing. I can no longer tolerate this potentially illegal, fraudulent, irregular, and abusive treatment and business practices. I reiterate that I am reaching out to you Mr. Moynihan and pleading with you to please help me bring this situation to a resolution, to please not force my children and I to move from our home.

I can be reached at xxx-xxx-xxxx or xxx-xxx-xxx. I can also be reached by email.

Please help.

Pamela Hernandez

Update On 01/18/11 wrote: Hi John, How are you? I hope that you are well.

I wanted to send you an update regarding my progress with BofA. I received a package in the mail after speaking with you contact at BofA. I submitted a large packet to BofA with all of the information that they requested so now I am just waiting to hear back from them. Keep your fingers crossed that all goes well. I will keep you posted.

Thank you for ALL of the help that you have provided.

My name is Pamela McKee-Hernandez AND I AM FIGHTING BACK!

Update on 01/25/11 Pamela wrote: Hi John, I wanted to send you an update… No response so far from the agent that I sent all of my 30 pages of information to nor to the 2 voicemails that I left him. So, I called Desirae and left a message for her. I just heard back and she indicated that based on what she can see they received everything. She also advised me that she left a message for the representative/agent that received the documents. So, the sage

continues…

On a positive note, Desirae is definitely a bright light.

Thank you sooo much for putting me in contact with her.

My name is Pamela McKee-Hernandez and I AM FIGHTING BACK!

Update on 03/03/11: Hi John, Just wanted to say hello and let you know the latest update. I have been in contact with the Bank of America representative that has been assigned to me. Her name is Dola and though I have not spoked directly to her things seem to be progressing. I have provided all of the documents that she has requested. In addition, I wanted to share with you that I have also been in contact with Carl Saterfield of BrookStone law and I am in the process of sending them my loan docs and the required payment in order to have the audit done on my loan documents. I am really hoping for the best here. Again, as always I want to thank you for all of your support and kind words. I truly appreciate it. Have an amazing day and please keep in touch and I will do the same. On 12/21/10 Sharmell Mosby wrote:Dear Brian Moynihan: CEO of Bank of American. My name is Sharmell Mosby, and I have been in the modification loan process for over a year. I have been very patient concerning the stress and frustration your company and its employee have caused me. Years ago, when I was looking to purchase my first home. I was offered the opportunities to receive a loan though another bank, however because I trusted that Bank of America will do right by its customers so I decided to go with Bank of America. For months your company have been taking payments but my loan amount stays the same. When I call, no one seems to know anything or when I should be hearing something for sure nor can they tell me why my balance will not go down. All they can tell me it’s at the underwriter office and that I should be hearing something soon and that was month’s ago.I feel like this modification is a big lie. I also feel that when Bank of American, do decide to call me, it will be to tell me to move out. The communication between employees to employee is very bad; noting is being done in a timely matter. And if theirs and issues that can not be handle in a timely matter. Then Bank of America should put efforts to communicate that issues to there customers. People should not have to live in fear of losing their home when they are trying to keep there home. I am very sure that you do not loss sleep at night, and I am sure your family will have a wonderfully Christmas as well. In the mean time I and my 11 year old will have to worry about what’s going to happen next month. Well I do wish you and your family a merry Christmas and a happy new year. And to pray for all those who are living in fear this year going into 2011.

Sincerely

Sharmell Mosby

P.S Bank of America should change its name because it has taken away the America dream of owning a home and being able to staying in that home.

I support john writes lawsuit.

On 12/22/10 Cheryl Rogers wrote: I was told in Oct 2009 that I qualified for the trial modification because my note was way over 31% of my paycheck. According

to the person that I talked with my note s/b 1082.00 a month this never happened. I have talked to 72 people from

Last Oct 2009 to this Oct 2010 no solution in sight. When ever I called I was constantly given the run around. Every time

I sent in the paper work it was conviently lost in the mail or nobody knew what I was talking about. After the first 3 months when

I called they told me that I wasn’t authorized to make mod payments because I didn’t have it in writing than after 3 more

months I was told that there was nothing stating that it would be only 3 months (yeah right) now I have paid mod payments

for 6 months this has put me in the arrears. When I asked why I was receiving letters of intent I was told to ignore

these letters (tell me how) I had never been behind in my payments before this so called trial mod. Also the interest

rate was raised from the offer of 2.75% to 3.37 In applying for this mod I was tricked by a bank that I have been a customer

of for (only 38 yrs). IF I can’t trust my bank who can I trust. This program was set up to fail. My blood pressure has went

up and I have anxiety attacks this is the worst nightmare I have ever been in. Because the bank took so long to modify

I applied for a Naca restructure The bank had Naca put me in a forbearance that means that the person has no job. I have

a job I had 2 but the hours were shortened on my second. I should be in a restructured loan not a forbearance. On top of

that when I made my last trial mod for B of A they took out $500.00 too much. When I called them about this they said

I had to wait 7 to 10 business days to get my money back. They made the error but I have to wait. Keep in mind that this

is done on the 15th of December and Christmas is on the 25th go figure. I talked to several people I even told them

I needed money to get home with all I got was I am sorry but who is really sorry me or you. What kind of way is this to treat a loyal customer?

Cheryl Rogers

I support John Wright vs B of A Lawsuit

On 12/22/10 Chris Gallian wrote: Dear Mr. Brian Moynihan, I am writing this letter in an attempt to save my home. I have been dealing with Bank of America for over a year to finalize our Home Loan Modification. I am worried that we will go into foreclosure before that will happen.

In the beginning it seemed as though every piece of information that I would send or fax would be misplaced or lost. I pushed on and continued trying to work with your representatives by resending and faxing things as needed.

Every time I phoned I would speak to a different person. These phone reps informed me every time that I was “in review”. Some were more knowledgeable and helpful than others but overall I would hang up more uncertain than before I called.

This past spring I received a FedEx letter that stated I was finally approved for the modification. The letter stated that the final paperwork would be mailed out shortly.

It has been almost 9 months and I have received nothing. To add the the confusion your phone reps are now stating that I have not been approved and that they have no record of this letter. Apparently I am now back in the “review” process.

I just want to keep my home that my family has lived in for the past six years. I would like an explanation from someone why I was approved for this modification but nobody seems to be aware of this.

At this point in time I am at a loss. I have been in contact with John Wright and am going to join his lawsuit. I want to stay in my home, if you can help me in any way I would appreciate it enormously.

I support the Wright vs. Bank of America lawsuit.

One customer at a time!

Thank you,

Chris Gallian

On 12/24/10 Christmas Eve – Michael Lee Wrote: Michael Lee at XXXX -XXXX, Jacksonville, FL. I was late renewing my Flood insurance on Oct 03, 2010 and renewed it on Nov 28, 2010. I recieved a bill for over $2400 for flood insurance from Flood Insurance Department BAC Home Loans so I called them many times and told them that I renewed it on the 28th. They said they would cancel the $2400 they tried to extort from me knowing flood insurance is only $250 year. I called back 15Dec2010 and they said they took the $2400 off of my loan and I was ok with that. Today I get a bill for $362.48 for the lapse in coverage about 55 days. I called them up today and said yes I was late but to charge me 362.48 for 55 days is pure extorsion and I would pay $42.87 the normal rate for my flood insurance that is .77 cents a day. They would not work with me at all. I will not pay this and by reading other peoples experiences with BAC I only thought the mafia delt with extorsion but no BAC is the new mafia. I will pay $42.87 and not a penny more for my lapse in coverage.

The insurance company that sent me the bill is Balboa or Lexington insurance and god only knows who they are. Even the people in your loan dept has no clue where and who they are and how much they charge. They said they don’t have anything to do with them and are clueless and pass the blame to someone else. I spoke to many supervisors and managers about this and they will not work with me. Please do the right thing.

Thanks,

Michael Lee

On December 12/27/10 Susan Patterson wrote: My name is Susan M. Patterson, I applied for a loan modification, and was put on the HomeSaver Payment Forbearance Agreement on November 11, 2009. and it was due to be up at the end of six months but I was not notified as to what to do after the six months (May) so I continued to pay the modified amount for 4 more months until October 2010. I made these payments by phone, then in November 2010, I was told that my home was to be sold and the date of sale was 29th of December. That was a blow. So for a year I have been trying to get a modification and have sent updated information on a regular basis. When ever I called BAC the people had different stories and explanations of what was happening with my loan modification. I filled out numerous applications with updated financial data which made me think that BAC was in chaos and I wondered how many different departments had my application and how many reviewers were making a decision. I called them many times and wanted to know why I didn’t know it had been put into foreclosure. Oh, and that date changed to January 31st. That is where it is right now. I haven’t gotten any information/break down as to what the payoff would be or how much I needed to bring the loan current. I think I am owed that much at least and I think I need to know exactly why I was declined. I was hoping that my paying 10 months out of 12 payments that I proved my ability to pay if I had a permanent modification. A “trial period” of sorts. I wrote that in one of my five “hardship letters” that I sent in with my “updated” financial data. I am still in hopes that I get a modification but if not I need a good explanation as to why I was declined. Thank you for your attention to this matter.

Susan Mann Patterson

On December 27th Robert Morell wrote: My name is Robert; I have been denied a loan modification from Bank of America and refuse to give up my fight. I have notified my local news station who has done an investigation on your bank, my senator and I have mailed evidence of my denial to the attorney general of Nevada. I followed all of the correct procedures for the modification and was deceived by being strung along five months making trial payments, draining my 401K and financial resources just to be left in the dark and denied!!!.

“I SUPPORT JOHN WRIGHT”

On 12/28/10 Lestria Jefferson wrote: Dear Mr. Moynihan, My name is Lestria Jefferson and my home loan is through BofA. I’m writing to let you know how dissatisfied I am with Bank of America and am certain your bank is not for the American people nor do you want to help the American people. I’m currently in the process of a home loan modification with BofA and its been nothing but trouble since I mailed the paperwork back to this company. Every time I call to check on the status I’m told “we are missing the following documents” I then fax the requested information and call back after three business days to follow up with the correct personnel, who then have stated three times my file is at the underwriter for review.

I then decided to see if other people were having the same problems of lost documents and the run around like I’ve been getting. I then found www.piggybankblog.com where numerous people have stated the same issues with BofA. I figured I would cut to the chase and email you directly before BofA tries to sucker me into some plan which ultimately leaves me with no other option except foreclosure. Your whole plan of loan modification is a sham and you personally know you don’t intend on helping anyone except yourselves.

I know only 4% of people who apply for the loan modification actually get it, but I can tell you right now if I don’t receive a loan modification from BofA I will personally contact John Wright and sue BofA also. Its ridiculous how the federal government bailed out banks which didn’t deserve it. The U.S banking system is nothing but a corrupt set of individuals plotting the destruction of middle class Americans. Bank of Abusing America stated that they are trying to regain America’s trust one customer at a time, I seriously doubt this statement is remotely true. I also will be emailing the OCC and my local and state congressmen and President Obama about this issue.

Sincerely

I AM ONE CUSTOMER AT A TIME

Lestria Jefferson

On 12/28/10 Moira A. Canty wrote: Mr. Brian Moynihan, My name is Moira Canty (McGowan) and my husband, Jason, and I have a 1st and 2nd Mortgage with B of A. I emailed you a few months ago regarding the total incompetence of your bank and its representatives regarding our 1st loan with you.

The following is a description of what has been going on with our mortgage which started with Wilshire Credit Corp and is now ongoing with Bank of America.

When we entered into this Making Home Affordable program with Wilshire we were current on our mortgage, just trying to get our payments down as our rate was 8.8% with a scheduled ARM change due on 1/20/10 and the payment was $2657.30. We were told to make 3 trial payments on Oct, Nov and Dec 1^st 2009 in the amount of $2266.39 while they review us and see if we qualify. After we made the 3^rd payment I called Wilshire as we still had not received the closing documents and they said it was going to take a bit longer to approve the program and to continue to make those trial payments until they send us the packet. We made another payment in that amount in Jan 2010. Then in Feb 2010 we finally received the packet stating that we were accepted into the program and to send the signed docs in and that our new payment was $2461.71 with a rate of 7.175%, not exactly the $700 a month savings they had originally told us!. We signed them and sent them in on 2-22-10 via UPS Overnight Delivery then found out that on 3-01-10 BOA Home Loans took over our loan. We paid you 3 payments in the new amount of $2461.71 and then started receiving letters from BOA that we were a few months behind on our loan. I then had many conversations, all documented, with different reps from BOA who always told me something different. I was then told to continue to make the “Trial Payments” until it was taken care of so that is what we did ever since our May 2010 payment. Once BOA took over our loan on Mar 1, 2010 you have continued to say that you don’t have any paperwork to support our being accepted in to this program by Wilshire and that you reevaluated us for the program and denied us. We have been making our payment every month since we purchased our home and I pulled every payment off your banks website and can provide them. We were told to continue to make these trial payments until this is straightened out, the trial payments are a few hundred dollars less than our original payment. Then you started saying that you have found our papers, but that always depends on who I talk to when I call. You have been telling us for months that you are sending this to “escalation” to get it straightened out that it will take 7-10 business days, I then will call back in 2 weeks after hearing nothing and another person will say that we are behind and they don’t have the paperwork etc…. I end up getting heated on the phone and then they finally check into things and find the papers then they say the same thing…sending it to escalation…yet again! I ask to talk to someone in escalation or a manager and they decline you the right to do so. Then finally in September 2010 they said they had honored our modification and they were going to go ahead and fix our credit and then a few days later we get two certified letters stating your intent to accelerate our loan…..Please make up your mind! We then received a letter dated 9-22-10 stating that you were sending the credit adjustment through and that it would take 30-60 days to reflect on our credit. Obviously this still has not been fixed on our credit yet and we will make the appropriate steps to get this taken care of but it is a slow process. You are also saying that our new modified amount has gone up to $2537.99 due to escrow increase….so all of this has gone on to just end up saving us $100 in the end! Then we started getting phone calls that we were behind, which was a mystery since we making our payments but apparently you were showing us with a past due balance, which was a mystery to us what that was for since we were never behind and were always told that anything past due would be attached to the end of the loan once the mod went through and that all fee’s were waved once the mod went through, so every month that we made a payment you were applying partial to the previous month that you were showing us owing for and in turn was still making us look behind on the current month. I had called and called and called until I couldn’t take it anymore and I have written down dates and times and contact names for every time I called. I always get a rep that says I need to be transferred to a different department and then after being transferred 3-4 times and then sometimes disconnected I find myself on the phone with another incompetent representative of Bank Of America that tells me I am months behind and not in a modification at all. We also started getting fedex packets from your Home Retention Department telling us that our recent application for a modification has been denied and inviting us to reapply…..How do you get denied for something you have already been approved for?

All of this is what prompted me to send you our first email a few months back and to stop paying you anything on either loan until you fixed what was promised to us. You did have someone get in touch with us a few weeks later named Jocelyn Alvarado. She was very nice in the beginning telling us that she was from the “Office of the President” and that she was here to help us and she would be our contact person from here on out. She stated that she needed me to contact the Home Retention Department and to request an appeal on their decision to deny us based on our declining to be in the program…imagine my surprise when she said that that is what it said on her computer!!! I asked her why I needed to do that since I never declined it and we were already in the modification and she said that she suspected that they would deny my request for appeal and that once that happened then she could get us an in-house modification. I did what she said and also sent her all of my pay information. They did deny the request and then she called and said that she ran the numbers and it didn’t look like a problem at all. She said she was going to combine our 1st and 2nd mortgage since they were both with BOA and that our payment would be $1800 including our insurance and taxes. That was quite a happy thing to hear after 4 years of paying well over $3000 for both as our 2nd has an 11.9% apr. Then she came back and said you couldn’t do the 2nd because there is a freeze on 2nd but that she was going to be putting through the 1st and call us back in a few days. She then called and said that we were denied for not making enough money. Through speaking with her we realized that she wasn’t including my husbands pay stubs as he had been out for work from 7/2010 until the end of 10/2010. I sent her over his 1st pay stub and she sent it through. We then had to call her many times to get a call back from her at which time she said that we were denied due to making too much money..How the hell is that even possible? She said that we have too much expendable income and the only thing you would offer is to add the mortgage payments on the 1st mortgage only to the end of the loan and you would do nothing for us on the 2nd. She said she could not guarantee to us that you would correct the markings on our credit that you put there and we were never behind. She went from being very nice to being very nasty in a hurry. She sent us the packet via Fedex, postmarked 12/2/2010 and the papers were dated 11/22/2010 and had to be signed and sent back no later than 15 days from date of modification papers..which made them due back no later than 12/7/2010….in case your not that great with math…that gave us 5 days to return them to you! They show us with a principle balance of $289982.75 with a fixed APR of 7.175%….so after paying on this home every month since May 2006 we now have a principle balance that is $4982.75 more than what we originally borrowed!!? We then passed all of our information along to our attorney to start dealing with this. He spoke with Jocelyn a few times and explained to her that we were not going to sign the papers she sent us as she could not agree to fix our credit on both loans, it is only fair after all since the only reason we had to stop paying was to get you to finally do something that in the end you didn’t do anyway! We need our payment down and our credit fixed and that is the bottom line. Our attorney left the ball in her court that she was going to get back to him once she spoke with her supervisors. it has now been a few weeks and I had to call her 3 times to finally get a callback at which time she told me that she was waiting to hear from my attorney and hadn’t so the loan has been closed since we didn’t sign the papers and get them back within the 15 day timeframe. She said that if we want to try for a modification again then we have to start all over. She knows full well that if we have to start over that you will take our house in foreclosure before the process happens since we have not paid you since since our September payment.

I will not go back to dealing with your representatives that are completely unwilling to follow through on anything.

I do expect to hear something back in regards to what is going to be done for us. Thank you for your time….again!

“I AM ONE CUSTOMER AT A TIME!” and I support John Wright v. Bank of America Lawsuit

Moira A. Canty

On 12/30/10 Klaus J. Hermann wrote:

I support John Wright vs. BofA Lawsuit.

Dear Mr. Moynihan,

I would like to draw your attention to my complaint with BAC.

Mortgage payment for Sep was paid before due date (15-Sep) on 9-Sep (check #2250) and was cashed on 17-Sep-10. On 15-Sep I noticed that the payment was not received or cashed and to insure appropriate payment (avoiding additional charges), I send another check (#2138) with an attached note that if the 1st payment will appear to discard the 1st check (#2250). The 2nd check was cashed also on 20-Sep. However, nobody from BAC informed my that they received a double payment and I would have expected that BAC would have contacted me asking what to do with 2nd payment. BAC claimed without informing me that this was a voluntary payment for Oct. It is my decision if I want to make an early pre-payment for the the next month and not the decision of BAC. I tried several times, interacting with several people at several locations providing me with several request numbers and ensuring me that the money will be refunded within 24 to 48 hours but the money has never been refunded until now. The decline of my request was never communicated to me but after interacting and calling BAC several times, it was simply stated that it was rejected. This all happened before the due date of 15 Sep but BAC found a way dragging it out past the due date of 15-Oct. Since mid Oct I refinanced and the argument (another bank bought the entire mortgage charge in full) that withholding the Oct mortgage payment seems erratic and irrationally to me.

Resolution Sought: I would like BAC to refund the overpaid mortgage by either send me a check in the amount of $2632.38 or re-route the amount to my bank account with Wachovia.

Sincerely

PD. Dr. Klaus J. Hermann and Iam one customer at a time

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My name is John Wright AND I AM FIGHTING BACK!

All Rise! The Honorable John Wright has left the Courtroom of Public Opinion!

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9 Comments

Joshua DeVoll says:

November 17, 2010 at 6:50 am

I sent out an email on 11/12/10 and BofA called me on 11/15/10 to let me know they received the email and were looking into my situation. The followed up the next day letting me know that my short sale account was assigned to an associate and that my house would not foreclose while there is a contract offer in negotiation. I am seeing hope.
Thank you Piggybankblog!

Joshua
wright4ulg says:

November 17, 2010 at 6:54 am

It is our pleasure Josh

My name is John Wright and I AM FIGHTING BACK!

John Wright
piggybankblog.com
Ellery Oliver says:

November 18, 2010 at 1:39 pm

I sent an email on 11/16/10 and was contacted on today 11/18/10 that they have received my email and will call me bank within 24 to 48 hours about my situation. I spoke to NACA about their proposal and they said to accept because they did not think they would offer anything better. So hopefully they will. Thanks cause there is hope maybe they will help my family out. Thanks

Ellery
Tammy Stein says:

December 2, 2010 at 7:09 pm

Well, today I recieved via FedEx the letter from Bend over Amercia, telling me that we aren’t eligible for a loan modification! They told us that we have a negative NPV or Net Present Value. They state that the HAMP requires a calculation using a formula developed by the Dept. of the Treasury! Apparently this “formula” is top secret, hush-hush special magical formula that only is available to Very Special Piggys! In the letter, they state the available NPV inputs, but no numbers to explain it. If I want them I have to request it in the next thirty days!
Why didn’t they just include them in the first place?
Oh yeah, it’s so they can keep dragging their feet on this and it would be logical. We can’t have that now, can we? I am SO ticked off! Back to writing e-mails and making phone calls. Now I have an idea with the info here and now I am Tammy Stein and I’m fighting mad and fighting back! Deeds, not Words.
Tammy Stein says:

December 20, 2010 at 6:20 pm

Since I got the letter stating we weren’t eligible, I have gotten in contact with a Ms. Tawnya Schoolitz Vice President,Bank of America Home Loans,Loan Modification Research and her assistant, Afaf Khodaparast and they are working with me to appeal the denial. Afaf sent me the NPV input numbers to look over and correct. So far, these two seem to be competant so we shall see! One thing I have done for myself is go to my mortgage account on BoA’s website and printed out everything pertinant to my account. Including payment and transaction history! Luckily, I have an all in one printer! So I got some file folders and labeled EVERYTHING and I keep a file of ALL corraspondence from BoA! Making a heck of a paper trail. I suggest everyone do the same.
Tammy Stein says:

December 22, 2010 at 2:41 pm

I got a call today from Rhea Smith from the Simi Valley, CA office, Ph. # 800-669-2443 EXT: 2773, I called back to speak with her, she was busy, so I spoke with Michelle. She told me that the rason for the call was to inform me that Rhea was going to assign a new negotiator to my case. I told her that I was working with Ms. Schoolitz and Afaf, so we shall see how this goes. I am going to e-mail Afaf and see where that leads, Also, Who else here has dealt with Rhea Smith? I think I read that name somewhere here before. Leave a comment! Thanks!
Tammy Stein says:

December 23, 2010 at 2:29 pm

Well, today I get a call from Robin Dent from the New York office telling me that now she is my Bend over America’s contact and that I will be dealing with her.
And that she is a loan analyst, that basically my Go To Girl.
REALLY! What happened to Rhea Smith? Afaf Khodapast? Tawnya Schoolitz? Theresha Sutherland? Erick Estrada? Et Al.
Sounds like I’m getting the Customer Monkey-Shuffle they told, no ASSURED me that they wouldn’t do!
I think I will write to Afaf and ask her that and cc the letter to all above AND to Moynihan and Desoer’s office as well! Of course here to show what I wrote!
I am Tammy Stein and I’m fighting back! One Bend over America’s employee at a time! Deeds, NOT Words!
Moira Canty says:

January 6, 2011 at 9:27 am

Hey John….
Just wanted you to read this below!
I also filed a complaint with our states Attorney General so we will wait and see what comes of it all!!
The Bank of Screwing Over America started calling us again today and when the overpaid rep said in the beginning that the call may be recorded I said “oh thanks for reminding me, I a turning on my recorder too!”
She said “you can’t do that.”
I stated “if you can I can!”
She then said…in an extremely annoyed voice, “if you are going to record the call then I need to end the call.”
At which time I said…”OK GOODBYE!”
Weird, she didn’t call back!
We also still have had no response to our second email to the CEO of the Evil Empire, Brian Moynahan.
Just wanted to keep you updated!

I AM MOIRA CANTY AND I AM FIGHTING BACK!

Begin forwarded message:

From: “Federal Reserve Consumer Help”
Date: January 4, 2011 4:57:00 PM EST
To: Moira Canty
Cc: consumerhelp@federalreserve.gov
Subject: Federal Reserve Consumer Help Center Acknowledgement

January 4, 2011

Dear Mrs. Moira Canty:

This e-mail is to acknowledge our receipt of your correspondence on December 29, 2010.

The entity you are inquiring about is regulated by the Office of the Comptroller of the Currency (OCC), and we have forwarded your correspondence to them to investigate and respond to you directly. If you have questions about the status of the investigation of your complaint, please use the following contact information for the OCC:

OCC Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX, 77010-9050

Website: http://www.helpwithmybank.gov

Phone: 1-800-613-6743
Fax: 713-336-4301

Sincerely,

Federal Reserve Consumer Help Center

http://www.FederalReserveConsumerHelp.gov | 1-888-851-1920 (Phone) | 1-877-766-8533 (TTY) | 1-877-888-2520 (Fax)
Please do not respond to this message. If you need to contact us, please use the contact information listed above to reach us.
Maria Marrero says:

January 7, 2011 at 7:40 am

I emailed CEO of Bank of America back in October 2010. I finally heard from someone from his office, a Michelle Khodiyari, and she seemed very hopeful and very helpful. She gave me the information of the Sr negotiator who was suppossed to handle my case, although, when I called and left a message for this new negotiator, I did not hear back from this person. Another negotiator called me, Todd Blazey. He mentioned that he would be the one handling my case…i have spoken to him twice and it is now January. I have tried to contact him before the holidays, after the holidays, and every day this week I have left messages on his voice mail. I have also left voice mail messages for this Michelle Khodiyari but apparently this week she is on vacation. She left an alternate person to contact, a Jessica Letto, also from the CEO office, and left messages for her this whole week…no response. What kind of customer service does this bank have? Apparently none! Do i need to email the CEO again? Will he just send his cronies to contact people who complain to quiet them down for a little while before they start slacking? This is so frustrating!