United We Stand BofA Page 2

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Robert Wagner wrote CEO:Hi CEO Brian Moynihan. My name is Robert Wagner of Cincinnati Ohio. Your bank “Bank of America” holds my Mortgage. You say you will contact me in 72 hours to help me with my loan modification or principle balance reduction. I have spent 2 and a half hours on the phone with several of your employees. Hung up on during department transfers, and then asked to repeat all of my financial info 3 times to 3 different departments. But your company has still failed to do anything to help me. I am upside down and underwater in this loan. Will you help me or just keep taking the Gov. money and putting it in your pocket?

What a joke.

Obama claims to have these programs in place, but they aren’t being utilized by the banks to help main street like Osama Hussein Barrack Muslim loving, terrorist hugger Obama said they would.-Bob

Update on 0/25/10 Robert wrote: Hi John, since I came out fighting against the giant they have turned off my ability to pay my mortgage on-line.

So I am still fighting to at least get that back.-Bob Wagner

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Update on 02/02/11 Robert wrote:   Hi Ms. Martin…   I was told to contact you by Sarine Mardoian.   I was told that you will be handling my loan mod if any, or helping me with a payment plan to save my house from foreclosure.   Since our last attempt to Modify with BOA my wife has had two surgeries…one in OCT. 2010, the other SEPT. 2010.   She missed 10 weeks of work total with those surgeries.   And we had a dental bill of $500.00 for her last month.   We have been trying to pay down our other debts and have made some progress.   We are very thankful for any help you can give.   Bob Wagner

Jennifer Petroski wrote CEO:Dear Mr. Brian Moynihan, My name is Jennifer Petroski and my husband Jason Petroski and I have been customers of Countrywide now Bank of America for several years. I am writing to you today in regards to some alarming happenings that have occured in the Making Homes Affordable Program. Almost two years ago our household income went from being $90,000 a year to $55,000 a year this occured for two reasons first my husband like so many other Americans works with a company affiliated with GM and when the company fell so did his salary and second our oldest son was diagnosed with Autism and because of the lack of services which insurance is willing to provide I had to leave my job as a teacher to take care of his needs. In December of 2008 we realized we could no longer keep up on our mortgage which we previously had never even had a late payment on. We contacted bank of america and were told “as long as our mortgage was current there was nothing that they could do for us” Out of options we declared bankruptcy and upon the advice of our lawyer surrendered our house. In November of 2009 we were contacted by BOFA stating that we may qualify for the making homes affordable program deciding we had nothing to lose we applied, at this time the program was new and we were quoted a payment that was only 82 dollars less than our current mortgage, I immediately stated this would not work and that we were not interested in pursuing this any further. I received a FEDEX package which we ignored and made peace that we would be soon moving.

Anonymous:Dear CEO Brian Moynihan: I had my loan modified and approved in 2009 with Wilshire. My payment was lowered to $2495.12 and rate fixed till 2012. I was never late in paying my mortgage with Wilshire, I requested the Modification because I had an ARM and wanted my rate lowered and fixed due to financial hardship. Couple months ago our loan was transferred to Bank of America BAC. We received a letter stating that we will still make the same Modification payment with no increase. We even receive our March statement saying that our payment is $2495.12. The statement also indicated that my ARM will change in 2012. I continued to make payments thinking everything was okay.

Michelle Cascio wrote CEO: Mr. Moynihan: Since November 2009, I have been in Bank of America’s Making Home Affordable home loan modification program. At that time, I received a FedEx package of information and document requests. I completed- entirely- the document request list and returned all information to BAC Home Loans via a FedEx SASE a few days before Thanksgiving.

I made my trial mortgage payments on time and waited patiently for approval. On February 19, 2010, I received a message from BAC Home Loans requesting I provide documentation regarding the home loan modification. I called them- and to my complete surprise- they did not have a single document that I had returned in their self-enclosed FedEx envelope. There were “no records uploaded into the system”. This sent me into a bit of a panic- so I spent that weekend putting all of the documents together again- and paid special attention to providing updated information such as my 2009 Federal Income Tax Return, 2009 W-2, etc… which had not been provided in the original documents.

It is my sincere hope that your office will be able to provide some assistance. I’m sure I qualify for a modification; I meet all of the criteria. I am employed full-time at 40k a year with The Humane Society of the United States, where I investigate animal cruelty in puppy mills. I also receive 9,000 in child support. During the trial period my mortgage payment went from 2550.00 a month to 1789.00. I can afford to keep my home (and my daughter’s home) if BAC Home Loans will just responsibly manage the information I provide. My major concern is that I might well be in a much worse situation than if I hadn’t entered the program at all. What if BAC Home Loans requires that I immediately pay the difference between the trial period payment and my regular payment for the last six months?

I have plenty of documentation to substantiate my claims. I have attached a few supporting documents.

I support the John Wright VS BofA lawsuit. United Law Group will be contacted- in addition to the White House and MD state governor’s office. I expect due process in regards to the HAMP government program!

Sincerely, Michelle Cascio

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Dorothy and Billy Robinson wrote John saying: I join you and support you in OUR fight against Bank of America. They have not responded to our request for Loan Modification. We were previously with Countrywide. We have made many calls with little results. We were offered a modification by phone, however no paperwork was ever sent to us. I see we are not the only ones being pushed around!!! Please let me know if you have the name of any lawyer so that we can either join with your fight of contact them on a personal basis. We are in San Jose, Calif. I will send a message that we are tired of being pushed around!! -Dorothy and Billy Robinson

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Terri wrote John:John thanks for your support. it angers me that B of A is allowed to do this. what kind of people are watching out for us. My Daughter suffers from MS and has last stages her husband walked out on her and her 5 year old son so it means alot to have the thoughts and prayers from people like you. you won’t believe it but while i was at work today I had a voicemail from an advocate from B of A haven’t returned the call yet I didn’t get out of work till 6:30 and am very tired. what do you think about that no calls all this time, I respond to your email and I get a call how do you like that one? what do you suggest I do any advise would be appreciated. I’m sorry for what your going through also it’s a shame for the people of this country that we have to deal with morons and get shafted.Here I am 52 widowed since I was 33 raising a 5 year old taking care of a hadicapped Daughter, working 6 days a week and dealing with a bunch of crap and idiots but I don’t give up easily I’m a fighter have to be thats my life. again Thanks John for your prayers and support.

Terri

Update: Was contacted by CEO office after email. Update: Terry wrote on 05/2010-John remember I told you an advocate from B of A left amessage well I called back when I got it on a friday evening after 6:30 when I got off work I left a message and gues what no return call go figure. I want to nail them to the wall and if takes forever I will fight them for whats right. Thanks John for all you do for us-Jacob & Terri Loera. Update: I recieved an email today from an advocate from B of A I’ve tried to contact this person but to no avail no reponse now he says he’s tried to contact me several times and I’ve not responded which is untrue. I have my cell logs and and it shows all my incoming calls. I also was told that I have 5 days to contact him or I’m out of luck.What do you all think about that? I know it’s probably a joke on me. well us hard working people who get screwed by these Ceo’s and employees who have our lives in there hands and don’t give a care about how we’re lied to and cheated as long as there lives are secure and and cushy everythings good. My family is torn apart now my daughters MS is out of control my grandson who’s 5 wants to go home and is so confused. how do you explain all this to a 5 year old? Can B of A help me out with explaining this I doubt it. It’s easier for them to just displace families and be proud of themselves. they supposedly support MS I’ve seen the articles about ithow 2 faced can someone be? Throw out the handicapped and children what do they care no skin off their noses. we make 82,000 a year we can afford it just haven’t been given a chance. We sent everything they wanted and it was never reviewed same story as every hard working person out there who’s been screwed by B of A. So lets stand together and fight for each other. John Wright Thanks for leading us in the fight agains’t The Piggy Banks who screw us.

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Gillian Nanton wrote John: Date: Sat, 24 Apr 2010 08:15:16 -0400 Subject: Re: [West Orlando News Online 2010(R) Central Florida News, Info, Sports] Please moderate: “Bank of America Sued for Withholding Federal Bail out.” Mr. Wright, Thank you too! Please keep us up-to-date on progress with the law suit and we will continue to publish new content.

Best wishes,

Gillian Nanton.

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Monica wrote John:Just saw your site – I did an approved short sale, buyer, approval, – then the whole deal just gone like dust – co. said I never send in paycheck stub for initial short sale set up (faxed proof). treated me as if I was crazy. bofa even had an appraiser come out for comp. pictures and agreed to the offer. just rec. modification paperwork. said I don’t qualify for one program because failed to make arranged pymts. i have never been in a pymt. plan with bofa? the newly arrived paperwork told me to call them, called and told they have no idea what i’m talking about. these co is crazy

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Co276email wrote John: Dear sir, I started with the Bank of America Home Retention Team (HRC) in March 2009. I sent several facts/packets and documents they requested. They finalized my loan in March 2010, but incorrectly counted our Gross Income of Social Security, even after they received both parents award letters from Social Security. We now are behind $20,000.00 and because we live in New York we will be responsible for extra mortgage note payments, if house does not sell for what we owe. Now they’re unwilling to allow us to start over even after they made a mistake. Please let us know what we can do.

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Jessica Wilson wrote CEO : Complaint To : There has to be something someone can do. We are trying to not walk away, but what has bank of America, or anyone else done to assist us. Nothing! Any assistance at this time would be better than what we have received. Thankyou-Jessica WilsonComplaint Text January of 2009, we have tried to communicate with this bank. they do not provide the same information when we call back. the impression we get is that who ever we get on the phone has no idea what’s happening to our account. We make our payments as understood (so we thought) in September 2009. Yet the bank still charges late fees. We call the bank, but again they cannot provide any reasoning for their actions. we established an account online to see if we could manage our account that way, but only found that our last three payments have not been posted. Our payments are deducted through our online checking account, but the bank still says we owe them. we cannot get an answer as to where our money is or what it is being applied to. we see a “other un applied” column, and some of the money we sent referenced. there is no consistency as to what they seem to be doing with the money we send them and charges they are applying as well. we are reluctant to giving them any more money since we do not know where it is going. but if we do not then we get a “default” status. It is so easy to say we are in default, yet when the bank does not reply, provide necessary information, year end tax statement or why they keep charging us late fees when we have proof of our payments. we are extremely frustrated with this bank and do not want to “walk away” but as so many others, why should we not when we are treated this way. please provide a written copy of this complaint. HELP!

Resolution Sought: Have customer service. provide feedback when asked. provide information about our account when asked. provide refunds on late charges. (we have proof that payments were made.)

Date Problem Started: 01/01/2009 Date of Transaction: 9/1/2009 Amount in Dispute:$2326.52 InvoiceNumber: Complaint Type: Contract issues Product or Service: we have a mortgage loan with bank of america.

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Gloria Foster wrote John:Hi John, I came across your legal matter with BoA. I too am having an issue with them, and I cannot get them to budge. If I send this email like you have stated, does it really help me to get them to solve my issue? I am willing to do all that I can, b/c they are affecting my credit score with their nonsense. Thank you Email Chichigrover wrote to John: We are also getting the run around and can”t get a answer. we are in great danger of losing the house we would like to buy. please send us BOA # .THanks so much. we are desperate. We think they are telling us they are the supervisors but are really not.

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Debbie Wrote John:Dear John, have appreciated all the info you are posting regarding BOFA and how bad they are. I have Patricia Barbosa, Bof A Vice pres phone, will call her tomorrow, do you know her email. I have Brian Monyihan emails, how about do you know who else to complain too in order to get results on the HAMP; they have treated so many people horribly. So many promises with their HAMP program, innocent victims follow their instructions in good faith, only to be closely defaulted on, strong armed…I am going to the attorney-general in Sacramento tomorrow, calling all the above, emailing all the above, send certified letters. I have a letter of approval for the HAMP program from last October, called them every single day, worried sick, my credit was the best ones could be, I have run into a problem with my husband at stage 4 of cancer. I have owned my home for 35 years, banked with B of A for 34 years. They have lied to me, nothing but lies. Someone has to care about this within the system and correct.

Again, your posting is helping many I am sure. If you have any info, would you email me back.

Thank you so much,

Debbie

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Steve Coopman wrote CEO 05/12/10:My experience with BOA has been a absolute nightmare since Nov.09 I have been working with BOA on the making homes affordable program I don’t believe BOA has any intention in working with people to help them out since I first made contact with them in Nov.09 I have been calling back to check the status of my account and each and every time I call I have gotten the same old line nothing is happening yet but I will e-mail it to a negotiator so I would call back in a week or so to check the status and guess what the same old thing no nothing is happening yet but I will e-mail it to a negotiator I played that game until about Mid March the I received a letter in the mail that stated since x amount of time has passed you will need to resubmit your bank statement, last 2 paystubs and the most current tax return so that is what I did again I called back to verify that BOA has received the information and yes we did and now the same old thing I will e-mail it to a negotiator again I called back in about a couple weeks and this time I was told that basically I was going to have to reapply and that I should be expecting a package from Fed-Ex in about 10 days so 2 1/2 weeks go by I still have no package from Fed Ex so I called again and I was told the very same thing again that I should reapply and a package would be sent out Fed Ex however I was also told that a notice was sent out that my home will be sent into foreclosure this is how people are treated when asking for help and the best part of this is they know the reason for this is because my wife was involved in an accident and is now considered 100% disabled unable to work you know it is not like we are not trying to work with BOA I asked about regular refinancing that went nowhere I asked to wait until work wife case goes to court hopefully in the fall of 2010 but that falls on deaf ears.

With all of this being said I FULLY SUPPORT JOHN WRIGHT VS BOFA LAWSUIT it may not help me but I hope it helps someone BOA should be ashamed of themselves for asking the United States of America Government for all the Billions of bail out money and then treating people the way they do.

Steve Coopman

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Steve Garwood wrote CEO 05/12/10:Mr Moynihan, We also received foreclosure papers today on our home after applying for loan modification with B of A that was still being negotiated. After further investigation it appears your loan modification calculations are based on monthly gross income and should be monthly net based on the calculations.Just a heads up as thousands of Americans and immigrants are communication daily to put an end to this type of illegal, fraudulent, irregular and abusive business practices.Our monthly income was cut in half more than 11 months ago. We get the same type of responses like “we never got the paperwork”, even though they were signed for with documentation to prove it.I often wonder if FedEx, one of the most respected companies in the United States, does any type of business with Bank of America? Perhaps you should look at theses types of successful businesses and model yourselves after them.Its time to stand up and fight back. and I for one am willing to stand up for what is right. Thanks again Brian Moynihan for giving us the worst service of anyone in your industry. You should be ashamed to represent a company with the word America in its content! Your workers should now demand hazardous pay for doing what little they do at B of A. It’s funny that I never had any trouble with Countrywide isn’t it? And they were convicted as crooks.

Thanks again,

Steve Garwood

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Roy Ashford wrote CEO 05/12/10:My name is Roy A Ashford I have a home loan with bank of America I started my modification a year ago, that’s right it has been over a year. On Monday the bank/modification team informed me the modification did not go through after a year wait sending the same papers over and over. Stating I did not make my payments on time, I informed her the 3 month trial period I made all payment on or before the !st but it was not taken out of my account until weeks later. The bank of America rep told me it was my FAULT THAT YOUR COMPANY TOOK THEIR TIME TAKING THE PAYMENT OUT OF MY ACCOUNT in should have questioned it.

Please respond I SUPPORT JOHN WRIGHT vs BOFA LAWSUIT

Update: Was contacted by BofA CEO office after email.

Update on 08/10/10 Roy Ashford wrote: Hi John can anyone help me I have been in workout with BAC for over a year. Now it is in the presidents office. Nothing still is going on. Need help in PA

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 Lisa Mealia wrote CEO 05/13/10:Dear Sir; I’ve tolerated enough of you and your bank’s potentially illegal, fraudulent, irregular and abusive methods in the handling of loan #XXXXXXXXX Patrick Mealia Since first initial payment on 11/1/07 with Countrywide I’ve questioned and requested some kind of litigation loan analysis for overassessments. I’ve contacted bank in 9/08 the moment my income changes happened before any of these programs were publicly known but available (Countrywide Supreme Court Judgement Injunction 10/14/08) I’ve reinstated loan when faced with first NTS 4/29/08 no offer by the bank after curing processed 5/1/09 to which I was entitled to in payment reduction since both equity and escrow needed to be adjusted because of depreciation in value. Now faced with another NTS 3/23/10, I received a pretense of a modification by bank advising this will stop foreclosure proceedings or NTS only to have home auctioned even after me verifying over and over austion had been postponed. In conclusion, I’ve had enough and I am fighting back!

I fully support and stand favorably behind the United Law Group/John Wright vs BofA

Update:John, I wanted to let you know the email to Brian Moynihan I sent supporting your case against them triggered a response today. At 1:30pm today a woman called from Bank of America telling me she had been assigned to my loan for review and how she’ll be in touch with me just give her 48 hours to go over the paperwork. I’m still wary in believing since they said they no longer handle my account yet this lady called me even though I didn’t add my phone number to email…I guess we’ll see

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I know this probably will sound strange but Thank You – there really arent words strong enough for what it meant to me when I just happen to come across your story at my darkest hour. I felt so lost and helpless by what B of A pulled on me I went online in disbelief that it’s over they can just get away with taking my home! Reading your story and others knowing I’m not alone put the fight back in me enough to send that email when I was just about to give up so thank you for your support.

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Update-on 06/18/10 Lisa wrote: Last reported on 6/8/2010, I’m in the middle of finally submit my papers for the loan modification again only this time B of A sent me (not the packet) B of A’s hardship affidavit & financial worksheet the actual forms- Mind you BofA had gotten in touch with me after my CEO letter in support of you and complaint by me & how Countrywide/BofA fraudlent mishandling with our loan along with their empty gesture loan modification process. In fact, BofA never sent/faxed/emailed or smoke signalled any of the forms before. Anyway… I’m supposed to mail these forms updated information as requested no later than tomorrow 6/11/2010 until BofA Representative reassigned to loan now called me 4:45pm today. She just wanted to “touchbase with me” on her findings in research of the loan….. Cool right, finally some answers for the carnival of questions that haunt/play in my head constantly.

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I’ve lowered/streamlined the household expenses 3 months ago, I got real BofA forms sent to me for BofA HAMP filled out/signed (our paperwork never looked so good) I cant wait to resubmit them in the morning….. Representative advised me in her research that the property had sold because it went to auction. {Hold on I got to refill my glass here…K} Yeah she stated my house went to auction and there’s nothing BofA can do at this point. NOTE: If this was just another borrower who defaulted & lost their property at auction she’d be right. I asked her to hold on in order to hear her better (actually I just put the phone down to do sort of a laugh/primal scream of frustration dance in order to continue the call) yes I know that’s why the advocate department in Tempe sent it to her department in CA. in the first place. I then asked why was she telling me to ignore her email with forms and updated information BofA wanted me to fax tomorrow again, lol? Basically Yes thats exactly what she was telling me that and with the first time in April when BofA received paperwork it was 6 days before NTS to which BofA doesnt guarantee modification and that due to lack of communication oon my part in November 09 was the reason I was facing another NTS. I in turn stated how in November 6 months after reinstating with Countrywide I’d been in constant contact with BofA that in November I even advised BofA I would be out of town and Yes BofA didnt guarantee a modification but they did in fact guaranteed postponement of auction 3 times once to my face at my branch and twice while working/faxing paperwork each time I asked not once was I told a date or that all paper was received. She apologized says theres nothing she can do. End of first call. I called her back like 10 minutes later to simply ask after I gotten my notes why then I received a letter from BofA 14 days after auction and10 days after being told property went to auction, BofA is processing my loan for a modification but I got her voicemail. In fact, I’ve left her 3 messages that night, again in the morning no response. I called the advocate who originally answered my CEO letter to question her why she even answered, what happened to her telling me she was waiting to get loan papers so she can submit them to her supervisor, yet the representative who she sent them to review who told me to ignore her request for updated information since advocate was on my loan was then assigned to my loan requesting updated information for the second time to call and cancel request again. Who was her supervisor anyway? Advocate’s reply was first my loan number like she didnt know what I was talking about it was only days earlier when she addressed me by my name. But here’s the best part I quote “Let me pull your account up on my computer-I’m going to give you some information you probably have already”… I asked is it the phone number to the respresentative because I’ve left 4 voicemails already to which she has yet to respond. She said “Well she’d be the one to talk to since she’s assigned to my loan” … I didnt even know how to respond I mean I had a response but it wouldn’t of been ladylike. After hanging up, I emailed and left 2 more voicemails still no response. I can’t stand the fact I have to deal with or Counrtywide merged with Bank of America. Everytime I had any dealing with BofA it got screwed because of an error on BofA end. In our family we refer to them as BunchofA’holes or BendoverAmerica bank. It’s not over yet, the absurdity alone motivates me. Besides in 8 more days the 45 day loan process ends according to the last letter. Sincerely Lisa Mealia (Faithful Piggybankblogger)

Update: Lisa wrote on 06/08/10: Hey John, Here’s my update. The B of A customer advocate who had contacted after being ssigned my loan advised me that she’d be the one to review what had happened during the loan modification, why our famliy homes was auctioned. She had also asked me what I based my complaint about and what did I want to see happen. I stated how this loan has been mishandled from the beginning starting with Countrywide not reevaluating the high escrow/property taxes when we asked after being notified by the State the amount we were paying and cap were overassessed, how we’ve been requesting some kind loan mediation since to be told we didnt qualify for any kind of loan modification when faced with the first NTS 4/09 (income too low-then how did we get loan to begin with, lol), how we reinstated at that time paid 22,000 to cure loan because we got tired of the verbal volleyball from Countrywide and wanted to keep our home. That when this last NTS notice 3/10 came and we contacted B of A they only wanted paperwork for (what else?) loan modification. I also let her know B of A never said how much or how behind even at what rate the loan was delinquent when I asked them. I also added how B of A assured me during the course of modification auction is delayed until approval each time I asked the random representative I called or contacted me because auction was in a couple of days and after I sent the last of my paperwork I called and to check if B of A needed anymore information to be told house was sold. So I want to know why B of A lied and auctioned our home and why because if modification paperwork takes time 30-45 days were we even denied? I also wanted to resubmitt papers for modification since I had researched more on exactly what to do for a modification and deal with one person. Advocate told me she’ll know more after reviewing paperwork give her 72 hours. Well to date, advocate called each time she said she would like clockwork only to tell me she still reviewing, resubmitted for more information to another department before she can go to her Supervisor with our paperwork to see if we can still modify. Meanwhile B of A other department (which is in California by the way- advocate’s in Texas) called me to find out from me what happened I never really got to answer after she finished telling me who/why she was contacting me but Advocate will be calling me after “she” send her back our paperwork. then a week later BofA Rep called advised me she’d like me to send her updated papers I previously sent for modification but she couldn’t tell me if loan was being resubmitted for a modification for sure when I asked her or why what was happening. She was going to email me further details that was 5/26/10 at 4:25pm. At 5:00pm the same day, she called me back basically told me to ignore email don’t send her paperwork that she didnt realize loan was being handled by an Advocate. Now wait on 5/28/10 at 1:51pm Representative called me now I do need to send HER the paperwork and she’ll in fact be the one handling the loan now and she’ll resend me an email with details. But I didnt send it in until I called Advocate on 6/1/10 (after holiday) when she was back in office to check because I was confused since Advocate was waiting for paperwork from Representative to submit to Advocates Supervisor right!? Advocate could only confirm that Representative is now handling loan and she cant answer my question if loan is getting modified (BASICALLY WHAT THE HELL IS GOING ON,sorry) the Representative would now be the one to ask or would know any answers. Now in the midst of this, I’ve also been cleaning. packing etc. because the house was auctioned remember even though I havent received anything about an owner or eviction just in case and I have trimmed down our monthly expenses to help for updating paperwork for B of A and with not sleeping or eating from dealing with the whole uncertainty of homeless not homeless I’ve lost weight I’ve never looked better in my bathingsuit to go swimming in my pool not my pool that’s in my yard not my yard this year. Needless to say John I am still very much your supporter and a faithful piggybankblogger or anyone in fact that has been faced in similar dealings with B of A. Oink Oink, Lisa Mealia

that be when I’ve been trying since Countrywide and reinstatement of 5/09? Ok so what am I going to do?

Update On 09/08/11Lisa Mealia wrote: John, Well I’m at a complete loss.. Last time I wrote BofA was not responding even after a 2nd letter to the CEO. In the meantime, I had been dealing with the lawyer from Freddie Mac waiting to hear about a HAMP

I heard from the lawyer that there was no loan modification to be done?! How can oes that mean I was given only to options Cash for Keys or month to month with option to buy- I had to go for the month to month.

I cant believe this I did not reinstate this mortgage to be ignored by both servicers let alone I cant even get in touch withFreddie Mac for a chance to even tell them how I feel cheated by being one of the hoeowners who reinstated to get a modification and now I dont even get the option even though I received a confirmation letter from BofA saying my paperwork was being processed and now forgotten about! I have to be a tenant unless I dont qualify for the rent!

This is not fair I dont know how to respond to this. I’m tired of being treated like I dont count when it comes to my Home.

Is there any suggestion you can give me as to who to contact next like Senator Reid or do you know .

You know it’s not like I’m asking for the insurmountable just asking since 11/07 for someone to reassess my overpriced loan. I swear I am losing my steam in fighting but I tell you I;ve never been more angry

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Update On 09/07/10 Lisa wrote : Hi John,  Well I’m at a complete loss.. Last time I wrote BofA was not responding even after a 2nd letter to the CEO. In the meantime, I had been dealing with the lawyer from Freddie Mac waiting to hear about a HAMP     I heard from the lawyer that there was no loan modification to be done?!  How can that be when I’ve been trying since Countrywide and reinstatement of 5/09?  Ok so what does that mean I was given only to options Cash for Keys or month to month with option to buy- I had to go for the month to month.     I cant believe this I did not reinstate this mortgage to be ignored by both servicers let alone I cant even get in touch with Freddie Mac for a chance to even tell them how I feel cheated by being one of the hoeowners who reinstated to get a modification and now I dont even get the option even though I received a confirmation letter from BofA saying my paperwork was being processed and now forgotten about! I have to be a tenant unless I dont qualify for the rent!     This is not fair I dont know how to respond to this. I’m tired of being treated like I dont count when it comes to my Home. Is there any suggestion you can give me as to who to contact next like Senator Reid or do you know .     You know it’s not like I’m asking for the insurmountable just asking since 11/07 for someone to reassess my overpriced loan. I swear I am losing my steam in fighting but I tell you I;ve never been more angry

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Update 09/26/10 Lisa wrote: So every Thursday since 4/19/2010 roughly between 3:00-3:30 pm I called Debbie with the a standard Debbie saying didnt hear anything yet/Me saying same time next week both of us saying same time next week or Have a nice weekend.Ocassionally I’d asked if things were still good for the month to month lease option to buy Freddie Mac offers. Debbie confirming Yes Lisa. It got to a point I called her to let her know I received State farm’s letter 6/16/2010 regarding the policy. 7/30/2010 call I asked her should I be worried since it’s taking so long I again asked if I was still in the runnig for the month to month right Debbie stated yeah I’m still good she just cant proceed with anything without the paperwork from Freddie Mac but she has heard on other properties and how some didnt go well.   (Now here’s a prime example of the lies and false statements that I’ve been getting because I’ve been speaking out since the beginning because Countrywide padded it and I’ve called them out on it being predatory before my first payment)    On 9/7/2010 I called Debbie after Memorial as usual- after my Hi Debbie how are you -Debbie said you do know you received your letter and how sorry she was for not calling me and just sending it and she DID NOT HAVE A VIABLE PHONE NUMBER TO CALL ME-I said what letter ‘ve been home all weekend I didnt receive anything whats going on?- Debbie said there’s no HAMP to be had..I said ok what about the month to month..Debbie said Oh you STILL want to do the month to month..I said yes..Debbie said she’ll notify the property manager and they will call me within 10 to 14 days – I said ok was it that J.Hastings like before? Debbie said no it will Real Property Management they’ll run a credit check on my Father to see if he qualifies to pay the rent at the current market value to which she didnt know what that was on my house.  I joked on no more weekly phone calls then- Debbie said nope no more it will be with Real Property Take Care Lisa. AFTER HANGING UP I WAS WENT TO CHECK MY MAILBOX FOR THIS LETTER NOTHING LOOKED AROUND NOTHING…THEN AT 8:30PM MY FRIEND WHO WAS TO PICK ME UP RANG MY BELL AND TOLD HEY I FOUND THIS UNDER THE VAN IN YOU DRIVEWAY.      THE LETTER WAS LIKE THE ONE I received from the attorney’s only this time it just listed relocation assisstance. I immediatley sent an email to Senator Harry Reid’s office asking for aid.  Within a week I received an envelope with papers saying how can he help etc, So I started to fill them out but I didnt know how much detail they needed     I called the number on 9/24/2010 @ 10:00am spoke with Sandy Durgens here in the Las Vegas office telling her about Bank Of America etc.  ok she told me to hold on she’ll call over to Bank Of America to speak with them.     10:40am-Ms.Durgens called me back told me that my home was auction because there wasnt a payment in over a year that BofA tried to contact me in November and how Countrywide & Bank Of America arent required to offer a HAMP (WHY IS IT WHATEVER A CORPORATION SAYS HAS MORE VALUE THAN A CONSUMER & WHY IS EVERYONE HARDUP TO PUT US THROUGH THIS HAMP PROGRAM?)… I told her I had reinstated with Countrywide because they said if I was able to zero the account balance after telling to miss payment mind you-they’d be able to work with me in analyzing the loan due to the debt to value ratio and overassessed taxes. She stated how I was contacted thats why Mathew….the attorney filed NTS . Mathew who? Cindy Lee Stock’s the attorney Debbie is the associate I’ve been dealing with in fact I’m waiting to hear from property manager to do a month to month…Ms Durgens asked You have an attorney- No not yet- She stated how you dont need to have an attorney to do a loan modification then asked if I contacted any other office besides senator Reid- No- She then asked for Debbie’s number she was going to call her-gave her the information I then asked her can she give me repeat the name of that attorney Mathew she mentioned – Ms Durgens replied NO just let her handle it she call me right after she speaks with Debbie.     11:16am: Ms Durgens calls she spoke with Debbie and there’ll be no call from property manager because there’s no offer of a month to month. I should call to get relocation assistance and the offer of 2000 dollars to at least get some money- What that means I’ve wasted two weeks waiting around I was in fact told by the attorney where would I get the name Real Property management- Ms Durgens told me to calm down I’m only going to make myself nuts that it’s over to move on and I should be proud of how I did all that I could with contacting the right people.THAT BECAUSE OF ALL THE PROBLEMS FREDDIE MAC HAVE BEEN DEALING WITH FROM BANK OF AMERICA THEY’RE TIRED OF DELAYING THINGS ANY LONGER AND JUST WANT TO GET THINGS OVER WITH AND DONE. Yeah Thanks I hung up,,, I immediately called over to Cindy Lee Stocks office @11:50am to speak with Debbie surprise she was unavailable. so I left a message     1:48pm Debbie returned my call while I was shopping  I asked her whats going on last we spoke you said Real Property will be calling me to do a credit check - Debbie told me that WE (her & I) never spoke on doing the month to month- I said you’re kidding me right we never spoke on month to month our last conversation never happened you didnt tell me how you didnt have a viable phone number but here you are on my cellular a phone number I gave you for the property manager. Debbie asked very impatiently so what is it you want to do the month to month – I just said you know I’m sick of this game forget it I hung up.     2:30pm I called Debbie back I apologized if I was rude she caught me as I was standing in the checkout line plus I’ve been an emotional wreck since I was told I have 7 days then I’m homeless let alone the relocation assistance money offer had expired because I had been lied to – Debbie stated that what do I want to do month to month or that if I get her the form for relocation assistance to her by Monday she’ll honor it I told her fine no later than Monday.   SO FREDDIE MAC IS TIRED OF THE DELAYS THEY GET FROM BANK OF AMERICA. MEANWHILE THEY ARE THE ONES WHO OFFERED ME HELP(see attached I sent the original offer) to which I had to accept to stay with my home that I’ve been waiting & calling weekly religiously for 5 months from Freddie Mac because they were waitng for Bank Of America to send over documents. SENANTOR REID’S OFFICE TELLING ME TO JUST LET IT GO!!   HELLO THIS IS MY HOME-I’M NOT GOING ANYWHERE – DOES ANYONE KNOW HOW TO CONTACT FREDDIE MAC BESIDES THEIR WEB? Maybe an attorney who not too expensive since every dime I had went into this house?  Is everyone forgotten about what these banks did before the Hamp programs selling houses and not disclosing all the facts like they had no or negative equity!!   I’ll be damned if I let anything go even if I’m homeless someone needs to answer me I have yet to sit face to face since 10/2007 and look me in the eye produce the original note/loan because I got my GFE    I AM LISA MEALIA ,SUPPORTER FOR JOHN WRIGHT VS BANK OF AMERICA AND I AM FIGHTING BACK  Who the hell  

Lisa Mealia wrote on 05/14/10:I Hey John I wanted to let you know the email to Brian Moynihan I sent supporting your case against them triggered a response today. At 1:30pm today a woman called from Bank of America telling me she had been assigned to my loan for review and how she’ll be in touch with me just give her 48 hours to go over the paperwork. I’m still wary in believing since they said they no longer handle my account yet this lady called me even though I didn’t add my phone number to email…I guess we’ll see I know this probably will sound strange but Thank You – there really arent words strong enough for what it meant to me when I just happen to come across your story at my darkest hour. I felt so lost and helpless by what B of A pulled on me I went online in disbelief that it’s over they can just get away with taking my home! Reading your story and others knowing I’m not alone put the fight back in me enough to send that email when I was just about to give up so thank you for your support.

Please let me know if there anyway I can help – My prayers go to you and yours as well.

Sincerely a newly found piggybankblogger

Lisa Mealia

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Phuong N. Tran wrote CEO:Dear CEO Brian Moynihan, I know this is a long shot but I am going to try anyway, sir. I’m writing to express my stressful situation and disappointment toward Bank of America Lost Mitigation Department. I bought my house in 2005 with my ex-partner. However, I am on the loan by myself. With the advice of my real estate agent at the time and the promise to help securing a loan with a large amount of down payment, around $300,000 from my 1031 exchange, I and my partner made what turned out now is an ill-advised purchase. Now the real estate market had crashed and the value of this house has decreased by at least 40%. My partner had probably foreseen the future of the weak real estate market so he abruptly walked away from his mortgage commitment leaving me a single mother of two struggling with a large mortgage bill. In addition to this, I also got hit with a salary reduction from my employment. As a result, I have drained all my savings just to keep up with the mortgage. I also got financial help from my immediate family members, and I had to cut down on all unnecessary spending including pulling my kids out of day care and sold my only car, however, the financial help was a temporary fix and there is nothing else that I can think of to cut, and as a result I am still overwhelmed.

Elinor de los Angeles wrote 05/16/10: In Nov. of 2009, I have applied for a home retention assistance. The representative who took my application via phone told me that based on the information I have given her, I was prequalified and will be contacted by a representative in 45-60 days regarding my application. I never heard anything from B of A about my application. In March 2010, a representative from the Help Team called me to let me know that they will be sending me a packet which I needed to fill out and provide documents for then to process my loan modification. Never received anything thru FedEx and B of A could not give me any tracking #. I even followed up 3 times for the packet and they kept saying that they will resend. Never got anything. Finally, i got a letter in the mail stating the my payment was being increased by over $200.00 because escrow is being added.I have called B of A to find out why since I have been making my own property tax payments myself for the past 4 years. They said that it was because I applied for a home retention assistance and that the only way I could get back my old payment prior to the impounded escrow is for me to cancel my loan modification application. I told them I never even received anything in the mail regarding my loan modification. So being left with no option, I cancelled my application on March 31, spoke with the home retention department to have my account removed from review status and for my escrow to be removed. I made atleast 20 calls in April to make sure that is was taken cared of and was told multiple times that my account is no longer in review. This May, I made an ACH payment thru which B of A received on May 5 but never posted to my mortgage account.When I called, I was told that my account is STILL in review status and that my account is showing delinquent even when B of A already has my payment. I was told again on May 14, 2010 that they will request removal of review code from my account. I AM VERY FRUSTRATED THAT UNTIL NOW, THIS HAS NOT BEEN FIXED. THE EMOTIONAL DISTRESS YOUR COMPANY IS CAUSING ME IS UNACCEPTABLE.I DO NOT UNDERSTAND WHY YOUR STAFF CAN’T DO THEIR JOB CORRECTLY. FOR THE 1000X, I want my account to be taken off review status and for all my payments to be posted correctly.Your home retetntion program is a fraud and your company does not really care about homeowners.

Elinor de los Angeles

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Sherry Wheel Wrote CEO: Mr. Moynihan, I emailed you in April concerning this file and the lack of response I had received. April 15th I received a call & email from Chris Flynn. I have also been in contact with Theresa Cuhu. I’m asking for your help again. I’m in no better shape on this file. Everyone seems to be passing this to someone else with no follow up. Mr Flynn sent the following: “Unfortunately the $135,000 is the benchmark for when we issue the Seller’s authorization to participate in the program. As 30 day increments pass based on that date that document is issued out net amount we need to receive reduces slightly, but certainly not to the point where in 30 days we could accept $110,000 so I can see why that verbiage doesn’t really help when referring to the bottom line on this one. That said if you send me the documents as you mentioned I will include this email and send the appraisal back tot he vendor for review and we can see what happens from there.”

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I contested the appraisal. The appraiser called and told me he had been contacted to review the file. He told me he sent an email back agreeing to my fair market value of $110,000 as stated in his original appraisal. His appraisal stated that “due to deferred maintenance” this property should sell at $110,000. This documentation was ignored and a fair market value of $135,000 was placed on the property. This is a major over site on these properties and why many do not sell prior to auction. Then you lose thousands of dollars at the auction vs a short sale.

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When placing the fair market value on properties, your employees do not document the written comments concerning these properties – only what is completed on the form portion of the appraisal. Unfortunately the form has no line for these issues. If you could take a look at the appraisal on this property you can easily see the problem. The appraiser agreed this is a major problem when submitting appraisals on the properties. The processors need to add a line to accommodate these issues so you do not lose so much money!

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Please see the attached email I received Saturday from my negotiator. A month from my first plea for help to you. I have called & emailed Mr. Flynn and Ms. Cuhu trying to get an update on the appraisal issue and neither will respond. I replied to the email Marcus sent Saturday requesting the results of the contested appraisal.

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‘I am requesting help from you on this issue again. I hope you will help.

Thank you,

Sherry Wheeler

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XXXX wrote on 05/17/10: Dear Mr. Moynihan, My name is XXXX 2004 I received two loans with Countrywide Home Loans. One is a 30 year 6.375 fixed rate loan and the other is a second interest only equity loan. Recently, like many home owners I have fallen on hard times and I enlisted the help of the NACA “Save the Home” Program which is a go between agent for home owners experiencing hardships and their mortgage company’s. I followed every single directive of NACA. Finally, I was put into a BAC temporary forbearance for four months that started September of 2009 and ended December 10^th, 2009. My mortgage payment was reduced from $1420 down to $1050. I asked if this arrangement would affect my good credit standing and I was told as long as I paid as agreed it would not.

The forbearance ended on December 10^th, 2009 after which I resumed my regular payments of $1420 which I’m still currently paying. NACA informed me that BAC would either approve a permanent modification at a lower monthly payment or not. All they could do is remit all my information again as requested by BAC. After the long arduous task of redoing the NACA paperwork again. I waited and hoped for a permanent modification at lower interest rate and a lower monthly payment. After calling and waiting four months and not hearing back from either NACA or your company I finally was told by your reps that there was nothing they could as long as my account was in modification. NACA finally returned my calls. I had to re-due the entire process all over again because four months had passed. It would take another 30 days for a response from BAC Home Servicing Dept.

First of all, the date on the new permanent modification agreement documents is May 1^st, I didn’t receive the package until May 13^th, 2010. I am to sign and return these documents before May 27^th. Not much time. I was very excited to be finally getting my new permanent medication proposal until I read the agreement. This new proposed agreement appalled and shocked me. Your company’s permanent modification included $13,000.000 worth of delinquent interest charges. Also, the new modification mortgage payment is $64 more than what I had been paying for the last seven years and seven years will be added to the maturity date of the loan. I have paid the forbearance as agreement and have satisfied all the BAC terms but your company has reported me late every month of that forbearance to every single credit agencies. Of course this negative reporting increased my interest’s rates which in turn increased all my credit card monthly payments.

I’m bringing this all to your attention because this is not a solution for me. It’s a nightmare. Not only has my credit been adversely, I now have higher interest rates on them, higher credit card payments, my mortgage payments will increase, seven years will be added to my loan and now I owe BAC $13,000 as well. Where and how did your company come up with this additional $13,000 worth of interest when I have been paying my $1420 a month mortgage up into the forbearance? After the forbearance I resumed my regular payments. I assure you that owing $13,000 is inaccurate and does not reflect what my records have. Someone needs to explain how this figure came about?

I’d like to add that I am in support of John Wright’s lawsuit because I feel I am too a victim and the unfair and questionable practices of your company towards your loyal customers has been unthinkable.

I look forward to hearing back from you Mr. Moynihan concerning my specific concerns and I hope there will be favorable resolution for me and my loyal patronage to this company. Thank you.

Respectively, xxxxxxxxx

Update on 06/06/10: Hi John, I got a call the very next day and was placed with a Sr. negotiator named Jessica Gedang. When I never got a call from her I called her direct number. Could not leave a message because her voice mail box was full. I’ll try this week. I’ll keep you posted when or if there is some movement. Thanks so much for all you do.

 XXXX wrote to me and CEO 05/17/10: Hi John,First I want to say thank you for your blogs,y our information and your bravery to stand up against BAC . I sent you a copy of a letter I sent to my congressman through my husband’s email and as you can see the same thing that happened to you , has now happened to us. I wish you all the best and please keep us updated !Thanks for reading my email. WE SUPPORT JOHN WRIGHT AGAINST BAC HOME LOANS!!!! Please don’t use our names or Congressman your blog, but you are welcome to our story.! thanks!

Dear Mr Moynihan,

I am enclosing a letter that has been sent to my Congressman. Thank you for your prompt attention to this matter

May 17, 2010

Dear Congressman XXXX,

I am writing to you in regards to Bank of America Home Loans Forbearance or Loan Modification Program. As a Bank of America customer, I believe I have fallen victim to Deceptive Business Practices of Bank of America Home Loans.

As my research grows, I am connecting with several people that have also fallen victim to the BAC Loan Modification scam. Mr . XXXX, people are losing their homes because they have trusted BAC with a loan modification plan, and then have received foreclosure notices after paying, as agreed, on the modification plan. This is currently happening to us.

In August 2009 , we were approached by BAC as a candidate for the Forbearance program. We signed a forbearance agreement that states that we will be entered into this program of modification for six months as long as we make our payments on time. We were told that our monthly payment would go from $1296 a month to $714 a month. As agreed, we phoned in our payments to BAC on or before the 1st of every month.( Customer Service does have record of the dates that we called in and we can provide these if needed. )

Even though BAC would not post our payments for up to 10 days, we always paid on time, as agreed. I spoke to BAC representatives every month asking probing questions to verify that we were successfully entered into this program and that we were doing everything we needed to be doing to stay current . Every month we were told “you are fine “ and to “ keep paying the discounted payment. “

Finally, after the 6 month period was over, I was told to call in with my “financial “ information to see if I qualified to stay on the program .

After I gave my “financials”, I was told that it takes 30 days or more to process and we would be notified by mail with more paperwork to sign.

The next day I received ”Intent to Accelerate” Letter stating that I owed over $8,000 by May 31, or Foreclosure proceedings would start immediately. As you may expect, I was completely blindsided.

After speaking AGAIN with BAC, I was told that we should have been paying the PMI amount of $121.00 a month along with our modified payment amount. I was also told that we should just wait for the modification papers and “see if we get accepted”. I explained that if we wait, it will pass the 30 day foreclosure time.” Convenient isn’t it?

I believe that BAC home loans never intended to modify our loan agreement, and purposely withheld information from us so they could simply take advantage of our poor financial situation, and eventually take our home. This is illegal.

Since I have taken a substantial paycut over the last two years(hence the reason we thought the modification was going to HELP, not hinder) I simply do not have $8100.00 to pay off BAC. Therefore, I have to borrow the money from family members in order to keep my home. I will be again cutting my salary in half to PAY BACK this loan that I have to pay to BAC Home Loans by May 31.

Mr. XXXX, I need you r help. This is not an isolated incident. There are hundreds of people that have fallen victim to BAC.

I believe that BAC practices go against The Consumer Fraud and Deceptive Business Practice Laws and The Truth in Lending Act . As I research the HOEPA (Home Ownership and Equity Protection Act), I see a pattern of deception at BAC.

We are asking you for guidance, protection, and representation in saving our home. I would like to encourage you and your staff to start immediate research on Bank of America.

Additionally, I am sending a copy of this letter to the Federal Trade Commission, The Attorney General, and the Better Business Bureau. I intend to spread the word about BAC so no one else has to fall victim to possible foreclosure.

Please help my family save our home.

Sincerely, XXXX

Update: 05/18/10: GUESS WHO CALLED MY HUSBAND YESTERDAY? BAC CEO Representative. They said they would speed up the modification! Oh boy, Like we will ever go into another shady program. I will take my payments back the way they were thank you. They also said that someone should have told us that the forberance was up in FEB. Seriously? Then why was my husband told “IT IS FINE” every month. Yesterday I also wrote to FTC, ATTORNEY General and many others. I will not stop untill I am heard.

Thank you John. Best of luck to you.

Update:

 

On 05/19/10 XXXX XXXX wrote CEO:-Dear Sirs, Yesterday we received a Fed Ex envelope with one sheet of paper stating we need to give you our hardship letter and pay stubs. It said in the letter that our financials that we gave you were “enclosed” and they were not. We also asked for a copy of the Forberance agreement that we signed to be included in this overnight packet and it was not. We ALSO asked for a copy of the Promisary Note. That was also not included.

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Additionally, I would also like to make it clear that while we were in this “Forberance” trial period, at NO TIME were we ever told that the agreement and payment plan had expired. Apparently the trial was over in February and we were not told even when we asked every month when we called in to pay on the 1st.

We called in every month to make our payments and I asked the representative after the Feburay payment “Are you sure we are only supposed to be still paying the $714.00 amount” We were told “yes, of course, you are fine”

Yesterday while speaking with your represenative, we were told “You should have been paying the full amount again in Feburary.” Hence the inflated charges , fees and INTENT TO ACCELERATE.

This is outrageous. I cannot believe that we have fallen victim to this and could potentially lose our home becuase of your poor customer service and contact, and misinformation.

I am not sure why you would think that we would actually trust BAC with a loan modification NOW that you are trying to take our home with your Intent to Accelerate.

What can you do to help us out with this ?

XXXX XXXX

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Jason wrote John on 05/17/10:Regarding the CEO: Let the Lord deal with him; God will give him worse punishment than we can in our online-scare-tactics.

1. Exposing the Bank for their actions is good; exposing the CEO for allowing this is good; exposing the regulator for cleaning up the mess with more lies is good
2. Vengeance belongs to the Lord; you just need to work on accepting justice through the courts.

Glad to hear you feel comfortable with your attorney and your attorney being aggressive. Still be sure to have your file audited by an expert – ask your attorney about a possible referral or I can refer.

Finally, I forgot to tell you something: be prepared for the Bank to try to accuse you of a crime in another capacity; they play that way. There is a rift in the FBI and among some law enforcement, especially considering their pensions are getting hit, so they are still mad at customers although they are slowly coming to the truth. Just be prepared.

Thanks,

Jason

On 05/18/10 Richard Wazlavek wrote:While we certainly regret having to sell the property at 164 Port Patrick Lane in a short sale, it strikes us as patently unfair that BOA doesn’t accept its role in the collapse of the housing market. Much documentation now exists proving BOA and other large financial institutions offered subprime loans to the illegal immigrant population who were the first to default on these loans and start the now infamous residential depression. Indeed, your bank make Americans very angry that you even offered credit cards to them at interest rates comparable to credit worthy citizens.

Miluska Carrillo wrote on 05/18/10:Brian, I have applied for loan modification with Bank of America on December of 2009. I have yet to receive a response. I was told it would take 60-90 days to get back with me. Throughout the duration of this application I was given different answers and suggestions. At first they requested to send supporting documentation, which was understandable, but to what number was the question, every time I called to verify the fax number I was given a different number. Then I was told I had to resubmit my documents because they had to be sent fed-ex, so why ask to fax in the information? Then I was told I was denied because I didn’t send the correct information, which was incorrect. Then I was told that there is nothing they could help me with because I was current with my payments, which I was told I would be able to get help. I was transferred to a supervisor which was no help and basically advised me to not make my payment so they can help me, but then in turn she said that it would take another 90-120 days, so I would be at the bottom of the list once again. I don’t think this is fair and good customer service. I can called repeatedly and so employees seem more helpful and others don’t seem to know what to do. After speaking almost 2 hours with the supervisor, I think she was just tired of my complaining, she gave me a number to see if I can get my case re-opened. I went ahead and called the number I was given and I fortunately was answered by a well knowledgeable employee and he was very helpful in sending an email to the person who was looking over my paperwork. Come to find out my case was re-opened, now its May of 2010 and I still have no response. Every time I call I get told everything will be fine or your request is under review, how much longer do I have to wait? Now their response have changed every time I tell them I have waited over the period of time that they told me they state, well there others that are also on the same boat and I have to be patient. This is not good customer service.

Brandon L. Clark wrote on 05/19/10: Dear Mr. Moynihan:I am writing in the vain hope that somehow I can prevent the now apparent inevitability of losing my home while awaiting a loan modification “decision” that has been pending, most recently, since March of 2009. Rather than restate the complaint that I’ve tried to post on the internet as broadly as possible in the hope of reaching kindred souls, I am copying it below. I would note that since March of 2009, we have paid $25,000 on a mortgage with a principal balance of $85,000. According to my recent mortgage payment invoice, that $25,000 has served to reduce our principal balance by a whopping $1000… We now have almost no money — literally, my wife and I have been eating TV dinners that cost $10 for 10 (a dollar apiece) for the last 2 months and most recently had a friend with food stamps give us a ham so that we would have food. We have been trying to find a way to pay for my wife’s monthly medications to prevent her from having another stroke (Coumadin, Plavix, Prevacid, etc.), and can’t even afford to do that. We are quite literally dying, disappearing from the face of the earth, waiting to join the ranks of the homeless … My car is now for sale and I have absolutely nothing left beyond that. Should you care, here’s our story:”My wife and I have been attempting to refinance with Countrywide (now BOA) since February of 2008, when we received letter after letter from the company urging us to refinance immediately and “exploit the equity” in our home in the process. They first assured us that we qualified for refinancing of an ARM that had doubled our mortgage payments, and told us we need only pay an “administrative” fee of $400 or so. Part of that was to be used to pay for an appraisal — of course, by an appraiser selected by Countrywide. After the appraisal, CW refused to disclose the results and even the appraiser himself hung up on us when we asked for the appraised amount of our home. (I have since learned that there is a class action against CW by an appraisal company which says that CW manipulates appraisals by cherry-picking the appraiser to give them the valuation that they want on any given property… surprise, surprise) They sent us refinancing paperwork which included a pre-completed application that contained inaccurate information, for instance, stating that my income was much more than I had ever represented. When I complained about the false information in the application and refused to sign it, CW then refused to communicate with me at all about the refinancing.

RJ wrote CEO on 05/20/10-I’m writing to complain about my experience with BAC regarding my request for a loan modification. My income was reduced last year by 15% ($800/mo) and my pay option arm (with negative amortization) reset in January 2010, an increase of $250/mo I meet all the qualifications for a loan mod, and originally started the process in Sept 2009. I have submitted all the required documents multiple times, but havent received a decision. I am struggling to keep my payments current, but I am running out of reserves, and if BAC doesnt make a decision by June to work with me on a loan mod, I will not be able to continue making payments. I support the John Wright vs BAC lawsuit, as my experience with BAC has been the same.

Dawn Ely wrote on 05/20/10-Hi John, I am writing at the very least, to lend my support. My BoA mortgage was ‘transferred’ to BAC in November & I saw then that this could potentially screw up my 1098. Good God I had no idea. I’ve posted some of story @ http://www.loansafe.org/forum/loan-modification/21320-your-1098-mtg-interest-stmt-incorrect.html but see huge similarities with postings on customerservicescoreboard.com. As an accountant I’ve now done my own calculation and have done at least my first amended return. I even had good branch employees here in NC but have seen them get as pissed off as I. I’m documenting some of my tale now but am really at odds with whom all to submit it too. Am curious with your discoveries/findings. I’m wanting to get tax prep fees paid back to me for at least this first round of amended tax returns but seriously its been like a bad part-time job for which I’ve have been paid since early Dec 2009.  

The name of the investor(s)  their contact information (who they are; who the financial executive and attorney of record is; their corporate name; address and telephone numbers and state they have their corporation registered under, etc.)

A ”certified true copy of the note”  meaning the original loan note document that entitles you to act as a collecting agent for the investor.  According to the FDCPA (Fair Debt Collecting Practices Act) and the Freedom of Information Act, You in the capacity of collectors are required to provide uponrequest.

You have all my loan information on file at the desk of Ms. Amy Nemoyer 1-800-846-2222.  You may contact me Pedro Luna directly at my home #: xxxxxx or my cell #: xxxxx.  You may mail the requested information to my home address: xxxxxx St. Lake Elsinore  Ca, 92530.

I thank you in advance for your understanding and prompt compliance with my request for information and for complying with the law.

Respectfully,
Pedro A. Luna.

P. Luna

Update on 11/12/10 Pedro wrote: Ms Amadasu you said I nwould hear from you soon in regards to my loan modification issue and in spite of leaving you a reminder message on your electronic box you did not call meas you said you would.  this is very arrogant on your part.  Is that what your word isworth and is that how you represent BofA?  You are a good follower and obedient oerson and it shows that you had good teachers in BofA . Mr. Moynihan should and surely is proud of you and your tactics.-P.Luna

On 05/20/10 wrote on Rita Ullrich :I’m writing to complain about my experience with BAC regarding my request for a loan modification. My income was reduced last year by 15% ($800/mo) and my pay option arm (with negative amortization) reset in January 2010, an increase of $250/mo I meet all the qualifications for a loan mod, and originally started the process in Sept 2009. I have submitted all the required documents multiple times, but havent received a decision. I am struggling to keep my payments current, but I am running out of reserves, and if BAC doesnt make a decision by June to work with me on a loan mod, I will not be able to continue making payments. I support the John Wright vs BAC lawsuit, as my experience with BAC has been the same.

KGearhart99 wrote on 05/21/10-Hello John,-I am so glad I stumbled across your posting! I too have been fighting with BOFA for a while and it just keeps getting more and more frustrating! Is there a class action suit going on that I can join? Here is the short version of what’s been going on with us. My husband and I lost our jobs a week apart from each other in Nov. 2008, and we held our own for over a year, and a family member suggested that we call B of A and ask about the Making homes affordable program. That’s where our trouble began. We were told we would receive something in about 45 days, when we didn’t hear back I called again and was told that we didn’t qualify for any of the programs. We assumed that, that was the end of it, we would just pay our regular bill. Not so, the next bill that arrived wasn’t our usually $828.00 it was now $2424.00 ( yeah big difference) I of course called and we were told that they are escrowing our account. I told BofA that we have always paid our taxes and insurance ourselves. They told me it is Federal law that if you ask about the program they can automatically escrow you, I told her we were never notified of such a thing and we were denied for the program anyway, 3 hours later and on my 9th transfer I end up with Crystal in the tax department who informs me that they paid my third and forth quarter taxes because I was delinquent. I told her that was impossible I was not delinquent, well I drove up to my tax dept the next day and asked for a print out to prove that I had paid my taxes, I call B of A again and I am told I can not speak to Crystal because it is random and you can not be transferred to a person! So I explain my story again and I’m told that BofA will seek a refund and my payments will go back to $828 in about 3 days. Well to make a long story shorter I am still battling this out, and BofA has now escrowed me to April 2011, The last person told me I’m not delinquent in my taxes but until I pay them for the future taxes they paid I’m stuck. So they can keep escrowing my account until the cows come home, and they will always keep me stuck under it, never able to pay back the escrow because as soon as I do they pay another tax payment. Sounds shady to me. BofA finally sent us the paper work for the program on April 2nd, it said to fill out and return by April 18, 2010, we didn’t fill it out or return it, but on April 4th (only 2 days after we received the paper work )we received another denial into the program letter. So I filled a complaint with the OCC, Banking commissioner and I received a voice mail from the office of the president, who funny enough did not leave me a call back number…and finally I received a letter from a Peggy E Milbourn SVP Customer relations Executive. telling me that they have attempted to contact me to consider me for loan modification and I need to fax them my information…This is laughable, I was denied twice once by letter, once by phone, never filled out any paper work, wasn’t delinquent in my bills or taxes and Ms. Milbourn left a general customer service number on the letter, so I can’t call her and scream….

So please if you have any advice please let me know.

Thank You and keep fighting. They will not steal our home and I will not bow down to their extortion!!

KGearhart99

. On 05/22/10 Sherry Wheeler wrote: I submitted a request of another postponement on my Bank of America short sale that began Jan. 17th this year. After sending an email to CEO Brian Moynihan I received a phone call from Sherry Centosonti on May 19, 2010. She said she is a negotiator in the short sale department.

On 05/26/10 James Taylor wrote:To whom it may concer, I am writing this letter to express my anger with the absolute worst bunch of people I have ever had to deal with. I started a refinance process on January 7th, 2010, and have just today (May 15 2020) been informed that Bof A cannot help me. This after 3 different loan officers and 5 sets of the SAME COPIES of paper work sent/ mailed/ faxed to you. The only person of any intelligence was the young man who started the process (must be your scam. After all, you did get my 400 bucks, taken from the wrong account, but that’s just business as usual for you guys) his name was John Wheng. All the other incompetent employees have really encouraged me to find someone else to refinance my home loan and 2nd mortgage. From never returning calls (16) or emails (even on your so-called secure email 8 times) or any other correspondence for 2 months, some stupid woman by the name of syeda chowdury ( I hold her personally responsible for screwing up this process) and her manager clint tucker, have proven that Bof A doesn’t give a damn about loans, just making sure they waste every bodies time and effort. Yes, I was laid off on May 6, 2010 and understand that you won’t lend to US citizens on unemployment (but will issue credit cards to illegal immigrants with no income, go figure) but I should have been done, refinanced and making payments to you 3 months ago!! To say my unemployment was the reason for not getting a loan is the biggest bunch of B***S*** I have ever heard. It proves that your loan officers are incompetent and did not even look at my documentation until May! In a way I am glad I did not refinance thru Bof A, as this experience has proven that you are all, worthless as a whole, scamming the American people, and I hope never to do any kind of business with you in the future. Thank god I don’t have any other Bof A accounts.

.Anna Liza Ha wrote on 05/27/10-My name is Anna Liza Ha and I recently received a letter stating that my husband and I do not qualify for a modification. When I made a complaint to consumer affairs a notice was sent to the office of comptroller of the currency. It was shortly after that I received a letter from Ken Sheller stating that my husband and I qualify for a modification. However my employment status had changed so I called BAC to see if the mortgage payment can be reduced due to my current employment situation. I called BAC and spoke to Susie Park, customer advocate, which she requested various information so that a determination can be made to see if I qualify for a re-modification. This was on February 4 2010. I called Susie to inform her of my change in employment status she requested to get my current information to be faxed to her. On February 8 2010 I spoke to Mia ext 8237 to see if my information was received, she told me that I would need to talk to my worker which is Jennifer Dazila. I called again on February 9 2010 and was transferred to Rodney Gillins and he told me to refax the information and that I should only talk to him about my situation. I faxed my current information directly to Rodney on February 16 2010. I have called Rodney numerous times after sending in my information but have not gotten a response. I finally called again on April 22 2010 and spoke to a women and I was told that my information was still in review.

Now I am wondering how I was able to qualify after I made a complaint to the Office of the Comptroller of the Currency but when I requested for BAC to look at my modification again due to my change in employment status I am not told that my husband and I don’t qualify.

I would like an explanation that makes sense.

By the way,I support the JohnWright vs. BofA lawsuit.

You can contact me by email, phone or letter. The following is my information

Anna Liza Ha

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P.S. “I support John Wright vs. BofA Lawsuit!”

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On 05/28/10 Richard Hoyt wrote: Mr. Moynihan, I am writing you today in hopes that you will review my file and see the major discrepancies within your organization and the trouble and financial pain that Bank of America has caused my family. I requested help via a loan modification in November of 2009 and was told on a weekly basis that everything was being handled and processed as normal, it wasn’t until January of 2010, I was notified (and only due to my phone call) that nothing had been completed with my loan modification. I was advised by a supervisor that it is was not setup correctly due to an error by a B of A employee and that the process had to start all over again. I was told it would be expedited due to the issue and I was promptly sent the initial packet requesting financial documents and tax returns. My attorney and I returned them via fax and waited. It was not until February when we were sent another packet because they said they never received the documents. We faxed them again and waited, this time my attorney and I contacted each department on a regular basis to make sure things were being handled. We were then told that the documents had been received and everything was moving forward as normal. During a conversation on a check up phone call to B of A in March of 2010, I believe it was around the 15th or 16th, I was told that we were approved for a trial modification in the amount of $1783.93 by the Home Retention Department. I had requested the documents in writing and was advised I should receive them shortly, but to make the trial payment starting in April. I scheduled the payment over the phone the same day and here is confirmation number 20100317180518846P. In April I contacted B of A on a weekly basis asking for the trial modification documents to be sent to me and was advised it should be just a couple of weeks and for us to be patient as B of A was very backed up. I then received another packet requesting all of the same documents which my attorney and I had faxed multiple times, now stating they never received them. I re-sent the package on April 17th via the pre-paid Fed Ex envelope that was provided and verified it was received weeks later by phone call to the Hope Department. During the month of April I was told that I was now behind in my payments due to the trial modification payments and after speaking to a supervisor, I was told everything was fine as he could see we were on a trial modification program. I asked him at that time if this would affect our credit and if we would be charged late fees. He emphatically said no as there is a block put on our credit and it would not be impacted. This phone call was on April 30th and the supervisor only gave me his first name as “Mark”. I then scheduled the next trial modification payment with Mark and the confirmation number is 10012102.

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Now it is May and on May 13th, I received a letter from B of A stating that they were still missing documents and that if we did not return them by May 12, 2010 that we would be taken off of them program. Here lies my frustration again, I was told that all documents were received and accounted for. When I asked what documents were missing nobody could tell me and I was bounced around from HRD to Imminent Default to the Hope Department. The Hope department confirmed all documents were received and the letter was sent out in error and it had happened to a lot of customers. I then called almost every day trying to get answers as every time I spoke to someone in the HRD department I was given different information, some associates could see the trial payment in the system some couldn’t and told me that we were late and it was affecting our credit. I spoke to numerous supervisors and was re-assured on many occasions that everything was being handled and it was just waiting to be reviewed. During this time my attorney also contacted the Hope and HRD departments and was advised the same information and that we were on a trial payment plan and my credit was being blocked due to the MHA program. At this time I made the third trial payment for June 1st in the amount of 1783.93, this was done with a Supervisor name “James” and the confirmation number is 10252786. When I asked him why there was so much confusion with my trial payments, I was advised that when they first quoted me my new payments everything was done verbally, but now it is done via packet. He then took my payment and transferred me to the imminent default department to find out why I had not received any paperwork. After waiting on hold for quite some time, the person in the imminent default department transferred me to a supervisor to discuss. After speaking with the supervisor she advised me that she would have to escalate the call to the escalation department and she would get back to me on Wednesday, May 26th. I waited and on Wednesday I did not receive a phone call, instead I received a form letter dated May 19th, 2010 that stated that if I was having financial troubles to call the HRD department. I decided to wait a another day or two for the supervisor to contact me back and on Friday I decided to contact the HRD department. When I called to find out what the status was with my Loan Modification I was told I was not in one and that the review had been closed. There was no documentation on why, no contact to me via phone of mail. I was then told that we were past due and that late charges were accruing and it was being reported to the credit bureau. Everything that was told to me prior was not done and speaks of bad faith.

What I am requesting from you and your company at this point is to honor what was told to myself and my attorney.

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1) There will be no late fees charged

2) No information will be submitted to the credit bureaus and if already done, retracted.

3) Please find out what is going on with my loan modification and see to it that someone is doing their job and working on it in a diligent manner.

I started paying the $1783.93 because I was told to by your company and I don’t think that it is fair that I be penalized for completing all of the necessary steps and following the bank’s direction. If this matter is not resolved then I would be forced to file suit for bad faith. I can be contacted via email.

“I support John Wright vs. BofA Lawsuit!”

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With Regards,

Richard Hoyt

 

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Robert Boessel wrote CEO on 05/30/10: Dear Brian, This letter is in response to the letter I received from Bank of America. I have been working on trying to get a home modification since Sept. “08”. I’ve documented everything but am getting no where with BOA. They put me on the Presidents’ “Making Home Affordable Program”. I started making my trial payments Sept. “09”. I’ve given them all the documents they wanted and make the payments as they stated. May 24,2010, I received a letter from BOA, stating, “ Unfortunately, your loan is not eligible for a Home Affordable Modification for the reason stated below”……..Trial Plan Default…Your loan is not eligible for a Home affordable Modification because you did not make all of the required Trial Period Plan payments by the end of the trial period”.

Sent: Check # Cleared Payment For Month of: Trial Pay. #

Aug. 17, 2009 1094 August 24, 2009 Sept 1 Sept 25, 2009 1097 Sept. 30, 2009 October 2

Oct. 19 2009 1099 Oct. 28, 2009 November 3

Nov. 26, 2009 1105 Dec. 02, 2009 December 4

Dec. 26, 2009 1116 Jan. 13, 2010 January 5

Jan. 25, 2010 1062 Feb. 3, 2010 February 6

Feb. 25, 2010 1064 March 3, 2010 March 7

March 26, 2010 1065 April 6, 2010 April 8

April 27, 2010 1122 May 10, 2010 May 9

May 26, 2010 1073 June 10

I don’t know what else I can do but they put me back in foreclosure and said I would have to appeal their decision. This is not fair. I’ve done what I was told to do.

Robert Boessel

Update on 06/07/10 Robert wrote: THE ONLY CALL i GOT FROM BOA WAS TO TELL ME THAT I NOW HAVE A NEGOTIATOR AND TOLD ME HER NAME…..i RESPONDED BY TELLING THEM I’VE HAD THAT NEGOTIATOR SINCE THE BEGINNING OF MARCH, AND SHE KNOWS NOTHING AND CAN’T FIND OUT ANYTHING,,,,BUT……KEEP MAKING THOSE PAYMENTS…bob

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On 05/31/10 Kristin Potter Ramirez wrote:Dear Mr. Moynihan, I am writing to express my displeasure with the way your company does business. My husband and I completed the trial period for a home loan modification in December of 2009. Since then we have been promised paperwork finalizing a modification, then told we were denied a modification because your company did not have any information from us. All of our information was sent to you during the trial period and should have been recorded into your system, but we resent it as requested and heard nothing from your company for several weeks. We were then told that our modification was being worked out and the gentleman on phone, Dave, said the paperwork would arrive at our house within two weeks. It has now been nearly a month since we were promised the paperwork.

The most infuriating part of this for us are the constant phone calls we’ve received from your company letting us know that we’re behind on our payments and feigning ignorance of all the steps we’ve taken with your company to come to an agreement that works for both of us. When we speak to your customer service agents they will say “I don’t have that information in our system” and when pressed further they will admit that they have the information right in front of them.

I understand that your company has had its fair share of trials and tribulations over these past two years and I would hope that your experience would help you feel some compassion for your customers who are also experiencing troubled times. When my husband and I bought our condo in 2007 we were able to afford the monthly payments without issue. Over the last two years we’ve tried our best to keep up with payments in the face of reduced hours and lost jobs but unfortunately our current financial circumstances make it impossible to pay the full amount of our mortgage every month. And given that the value of our condo has dropped over 40% since we purchased it I really feel it would be in your company’s best interest to work with us rather than foreclose on us, as you will never be able to recover the full amount of our loan in the current market.

I am asking for you to reconsider the way your company treats customers who have been hit hard in this economy and need your help. It would work wonders for your public image for Bank of America to be more aggressive in working out solutions that help people stay in their homes and reduce the amount of foreclosures in your inventory. I appreciate your time and attention.

In addition to my complaint sent in the last email, I would like to state that I support the “John Wright vs. Bank of America” lawsuit.

Best Regards,

Kristin Potter Ramirez

On 06/01/10 Patti wrote:Dear Mr. Moynihan: am appealing to you today as a last resort to try to resolve an ongoing issue I have had with Bank of America.

I am a legally separated woman struggling to hang on to my home. I have been trying to work with BOA to get a permanent loan modification under the HAMP program since November 2009. I qualified for and was granted a Trial Period loan modification payment under this program from December 1, 2009 through March 1, 2010. During that time, I was told that BOA employees in the Home Loan Departments would be reviewing all documents I had been required to submit to determine if I would qualify for a PERMANENT Loan Modification under HAMP. I was informed that it would take approximately 120 days for them to make a decision.

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June 2, 2010 Mary Crews wrote :Dear Mr. Moynihan, Please allow me to express my deepest level of frustration in attempting to work with Bank of America to remedy my financial hardship and potential foreclosure situation. I have had my loan with Bank of America since November 2007. At that time, my husband lost his job and we have been trying to make ends meet with my salary, however it is beginning to catch up and we are falling further and further behind. Despite that, I made every single payment on time until February of this year. I started the process of refinancing with a mortgage broker and was in the process of securing a HUD loan that eventually fell through. In the process, I attempted to cancel automatic draft payments online and have been attempting to resolve since 2/26/10 with no success. It is my hope, that somebody at Bank of America will assist me in resolving this matter before my loan goes into foreclosure and it becomes to late for me to retain my home.

03/01/10 Bank of America drafted the payment despite the termination online.

03/01/10 I placed a stop payment on the draft and was charged $25 by my bank and thought it was a one time event. I was not aware that this would be a 6 month enactment and that any payment I tried to make in the amount of $915.96, would be returned.

03/04/10 Received notifications that my payment was returned and I was being charged $25 in late fees.

03/25/10 Made online payment of $952.72 and an additional $6.00 fee to resolve the March payment. I received an email that several “trial deposits” would be made to my account I needed to verify in order for this payment to be completed, despite the fact I have used the same bank account for the life of my loan and saw no need to have to verify this information you already have. Three trial deposits were made for 28 cents; 77 cents; $1.05.

04/01/10 Payment for electronic draft for $915.96 attempted by Bank of America system again, despite previous cancellation.

04/06/10 Payment draft was reversed. Rec’d letter indicating it had not gone through and was returned for “Authorization revoked”

04/08/10 Rec’d notification that stop payment had been placed and payment had not been made.

04/23/10 Contacted Customer Service again to resolve. Spoke to Gwendolyn Isokpan in refinancing, who informed me I was qualified for a “fast track” refinance. Loan #xxx-xxx-xxx. Contact 866-645-5503 x5012. She stated she would send paperwork.

04/26/10: Attempted to make April payment for $915.96 online but was not able to complete transaction. Made several attempts to call Customer Service but could not complete calls, they were disconnected by automated phone system.

04/29/10 Contacted Customer Service to inquire about what was going on with my payments. Spoke to “Latonia” 800-399-1762 x8225. In reviewing history, it was discovered stop payment was still in effect and was resulting in returned payments. Instructed to release stop payment and fax confirmation to her and she would remove late charges and make notation on my account.

05/03/10 Rec’d email from Gwedolyn Isokpan that she had new extension and could be contacted at that number.

5/04/10 Released stop payment order at Callaway Bank as instructed to resolve issue and faxed as instructed. Attempted to call Latonia back directly and was unable to contact her at the provided extension and informed that any Customer Service Representative could address/resolve my issue.

5/06/10 Called Customer Service and spoke to Rakiah x 9163 to make April payment over phone for $915.96. Confirmation #11004978P. Informed May payment amount would be $885.26 but I had a shortage of$118.37 in my escrow account. Same day, Rec’d notice that my payments were behind and I owed $1041.18. Same day replied to Gwedolyn Isopak that I rec’d her email and to let me know what documentation she needed. Rec’d a reply addressed to “Kimberly” that she needed documentation I was not familiar with. I then called to find out what she needed. She reviewed and asked if I had rec’d loan docs. I told her I had not. She stated the paperwork had never been mailed and would mail it out immediately. Rec’d documents a few days later.

5/21/10 Faxed signed documentation back. Rec’d phone call I was not eligible as my April payment was noted to be over 30 days late. She apologized and said I would need to straighten it out with Customer Service in the mainframe computer, the AS400.

5/28/10 Called Bank of America Customer Service. Spoke with “Raymond” 805-520-5019 who first suggested the HOFA program but then referred me to Default Prevention Program. Transferred me to that department, but after 20+ minutes of being on hold, was disconnected by your phone system.

06/02/10 Called Bank of America Customer Service at10:28am and spent 1 hour and 6 minutes on the phone and transferred to 5 different people. I first spoke with “Sharon” and asked if I was eligible for the Homeowner Retention Program. She asked me when I could make a payment. I told her I needed to speak to someone about that. I was then transferred to “Michelle” in the Making Homes Affordable modification department. She attempted to review the requirements and check eligibility. I told her I knew I was reasonably certain I did not qualify b/c of the 31% and I didn’t want to waste her time if I wouldn’t qualify. She made notation as a “refusal” to provide information. I was then transferred to “Desmond” to discuss “partial payment” and he informed me I had refused participation and I had to complete that process before I would receive any assistance. I told him I did not refuse and would he please note that on my account. He told me it didn’t matter what wording was used and encouraged me to proceed with the process and if I did not qualify, I would have other options available. I was then transferred to “Jim” and as predicted, I did not qualify and was told by him that I could contact a HUD counselor or he could transfer me to the “short sale” department. I then tried calling your Executive Customer Relations general line: 704-386-5687 and spoke to “Avis” an attempted to discuss the situation. She asked questions and listened to my situation until the phone call was disconnected. The result of that conversation appeared to be moving in the direction of “sorry we can’t help you”

It is abundantly clear that home “retention” is not an accurate description of your services. I am desperately trying to remedy this situation and find some relief so that I don’t lose my home and you don’t lose money by foreclosing on my property, but nobody seems to want to discuss that. They all want to tell me that I don’t meet guidelines for anything but foreclosure.

I have contacted Bank of America numerous times to resolve my payments and request some type of relief so as not to go into foreclosure. I have spent countless hours on the phone being transferred from one department to the next, often being placed on hold for long amounts of time and ultimately disconnected by your automated phone system. I have been told repeatedly that I do not qualify for any program or refinance because of the cumulative effects of this payment situation. Initially, I applied for the “Making Home Affordable” modification program in August of 2008 and was told that I did not meet eligibility requirements b/c my gross income exceeded the 31%. I then attempted traditional refinancing in hopes to obtain a lower interest rate and lower payments. Twice this resulted in being told me debt to income ratio was too high and I needed to pay off my auto loan of $25K to become eligible. I then attempted a HUD loan but the out of pocket expenses became excessive and that loan was not closed. I paid $425 for an appraisal and told I must fix all peeling paint which was going to cost $2K. I know have an appraisal that is useless and am out almost $500 I could have used to make my mortgage payment. In a last ditch effort, I contacted Bank of America again and found myself qualified for the “fast track” loan without another appraisal. I thought I had finally found a solution. However, because of my payment situation, I was told I am no longer qualified

In summary, the late payments and reversals were as a result of your system. I correctly canceled my auto draft and it was your system that failed to recognize this for over two months. I was forced me to remedy at my end and at my expense and then charged late fees and identified as having a payment being over 30 days late, disqualifying me from refinancing with my own current mortgage holder. This is now impacting my credit report and appearing as if I am at fault. At no time have I spoken to any one person consistently to address and resolve this situation in a way that is beneficial to me, “a valued customer,” of Bank of America. I am now two months behind (approximately $2,000) and unable to make that payment despite repeated attempts to resolve this matter. I requested, begged, and pleaded to be put in contact with some type of “account manager” who could review the situation and help me resolve and was told that there was no such person. This has been an extremely disappointing and frustrating experience and would appreciate an immediate response and resolution.

Sincerely,

Mary D. Crews

Update: Molly wrote on 06/03/10: Well, I got somebody’s attention! A guy named Victor from the executive offices called me at lunch and is calling me back!!! Keep fingers and toes crossed and light a candle for me!!! : )

Update:  Molly wrote on 08/11/10: hey there!   Not sure when I last updated, but essentially back to point A after BOA sent me 3 sets of correspondance telling me how sorry they were and had taken all necessary measures to refund fees, straighten out anything reported to the credit bureaus and now my loan had been referred to a “executive” for modification, who I would deal with and was aware of situation.    HA HA HA HA!!!!   Got a “rejection” letter from BOA saying my modification was turned down….due to late payments and delinquency on my BOA account!!!   HOW IS THAT FOR IRONY!!!

Update on 09/15/10: Dear Mr. Moynihan, I just wanted to follow up on my loan modification and express my frustration when trying to catch up my mortgage payment today.   I was going to make an online payment, but as usual, Bank of America won’t allow you to do that if your payment is late.   I then called Customer Service and after entering all my information, was put in contact with “Velma” who made me repeat all the information (TYPICAL AUTOMATED SYSTEM).   After providing my banking information, she informed me there was a $20 fee!!!   Since when?   I laughed and asked if there was a cheaper way to make a payment and she offered an address where I could “overnight” my check….seriously?   I can hardly afford to make my payment and your going to charge me to make a payment?   I was in the process of working with someone in your office about a loan modification but after getting my hopes up, received a ridiculous letter saying Bank of America couldn’t help me b/c my credit history and payment history with my EXISTING MORTGAGE was poor.  Perhaps I am confused, but isn’t that why I am applying for financial assistance?  Because I am behind in my payments and have been asking for help for TWO YEARS with NO SUCCESS!!   I have given up.   I no longer care about my credit score, making payments, or losing my house.    You can have it…..thanks!!!!  You all are really doing a bang up job!!!! 

 

 

 

 

 

 

 

 

 

 

 

 

 

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On 06/03/10 Jose Becerra wrote: Mr. Moynihan-My Wife has been dealing with your company going on a year to resolve the mistake your company did. Below you will see what My attorney has sent to your company.

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Jose Becerra

Update 06/0/10 Jose wrote: I have sent an email to CEO of Bank of American on 6-3-2010. I have not received a call back from them unfortunately i’m running out of time. BOFA wants $40,000.00 thousand dollar by June 9, 2010 or they wil foreclosed on the house Can you give some advices on what todo or who I can speak personally to stop this.

On 06/07/10 John Wright wrote: Yes Jose. You should contact United Law Group and see if you have a case. If you do, you should sue them. Please contact United Law Group right away.

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On 06/03/10 Mary-Angela French:Thank You John for stand against Bank of Destroying America! I have sent my letter to the CEO and several others, like CNN, CNBC, FOX, and ABC. I have no tolerance for ignorance that BofA is showing right now. Thank you for giving me a place to start and I plan to fight this til the end.

Slidell, LA

Here is a copy of my letter.

Please help me resolve this issue as soon as possible your company has sent us a letter requesting up to pay $40,000.00 By June 9, 2010 if not your company will start action on us.

Dear Brian T. Moynihan, CEO and President of Bank of America Corp,

My name is Mary-Angela French. I am a former Title Abstracting vender for Bank of America. In March of 2006, seven short months after Hurricane Katrina, my family and I moved from Concord, NC to Slidell, LA. I left my abstracting business and with my husband and 6 month old son went to a devastated city to help. My husband, an electrician, and I are home remodelers and thought we could assist in the recovery of New Orleans. After moving here the economy took a turn for the worst; that combined with overseeing out of state rental properties, caused us to get behind on our mortgages.

More than five months ago we began contacting BofA customer service. After much paper work and numerous calls, the modification process began. March 19, 2010 I was told to make a payment on both properties, which I did, and they were sent back April 7, 2010. I contacted customer service again and was told that I was in “modification review” and I could not make payments. I then received a letter dated March 25, 2010 from Nationwide Trustee Services, Inc. stating there was a hearing on May 12, 2010. I contacted customer service again asking them if I needed to attend the hearing. I was told it was not necessary that my loan was in “modification review.” Finally, yesterday June 2, 2010, I was told that my house went to sale and there was nothing further I could do. Thoroughly discouraged, I spoke with an attorney and was told that Bank of America could rescind the sale and enable me to make arrangements to get current on my mortgage. I spoke to customer service repeatedly and was told otherwise. Without taking any of my new information, the supervisor said I did not qualify for any of your modifications. I have exhausted all resources after days on the phone and feel I have no other option but to join the class action suit with John Wright and The United Law Group and fight for my houses if someone with BofA won’t help me. A collective voice is a strong voice.

I provided prompt and quality background searches and was proud to work for your bank for many years. Now that I need your help no one has given me correct or consistent information to resolve the situation.

My family and I have worked very hard to acquire these properties and while I do not live in them, there are families that do. Now all I’m asking for is your help. Give me a place to start! I am willing to do whatever it takes to keep my houses and keep the families in them.

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On 06/03/10 Michael & Kellie Morissette wrote: Sir: My husband and I have been fighting with Bank of America for over a year to get help with our mortgage. We have got nothing but the run around. We had a decrease in income, which is still going on. Our mortgage was just to high for us to pay. We recieved a packet in May for a modification. It was unreasonable to us. It increased our payment. We have other loans we are paying on and can’t get any help to reduce those to an easier payment. Now I was told today, by Jennifer, that our mortgage is an FHA mortgage and that FHA mortagage’s do not qualify for any other type of help. We will be in foreclosure if she signs this off and closes it. What is going on? I tried to see who owns the mortgage. Fanniemae or Freddiemac. Neither say they own it. So..how are we suposed to get help on this? Your people do not seem to want to help. We do not want to loose our home. We are hopeing to make a good size payment soon. The company my husband worked for just went under. Now his bosse’s daughter has the company but under a differnet name. My husband decided to take his 401K, and the penality, becasue all contributions stopped. Except his own. We do not know how much he will get. The bank contacted him and said that they could not release the money becasue the owner needed to sing papers releasing it. The bank had seized everything. Now they say it will be a couple of weeks. That was last week. We want to get caught up on payments, but are having a hard time doing it. It does not help that our other creditors do not care to help either. But you are being the worst ones. It should not have taken this long to get answers or help. Now what are we suposed to do? We had no problem until B of A bought out Country wide. Your people are just being ass’es. Someone needs to come up with something better to help us. This is ridiculous. I’ll be waiting for your response. And, yes I have been writing down everything I’ve been told by your people. I talked with a money management company and with the HOPE people and was told to write everything down. There is tons more I can say about what we’ve gone through with your people but I don’t have all day to type. And it would be very long.

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On 06/04/10 Karen Moore wrote: Complaintant: Karen Moore RE: Acct xxxx I am writing to file a formal complaint against Bank of America. Last year I contacted BOA regarding the loan modification program. I was a previous Countrywide customer. In August of 2009 I was enrolled in the forebearance program and the letter stated that BOA would explore options available to me for Loan Modification. In January I wrote and called BOA to find out the status of my mortgage since the six month agreement had ended. I was unable to get ANY assistance and was told that my mortgage was under review and had to speak to the Home Retention Department. I would be transferred to this unit and never reached a live person.In January I received a notice from BOA that my taxes were delinquent and BOA paid them so my escrow was close to 8K in the hole. I did not have an escrow for my taxes and my taxes were paid and up to date. I spoke to several people in the escrow department and then sent several FAXes and letters. I had acknowledgement from BOA that my letter had been received and I would receive an answer in approximately 20 days. I have yet to receive any information regarding this issue. I am attaching the original letter (sent in February). In January, February, March and April I made my normal mortgage payment. I received a noticed for May stating my mortgage had increased to more then DOUBLE the original amount due to the problem with the escrow, which I never received an explanation about to this day. I phoned BOA and finally was put through to Dorothy in Advocacy. She looked at my mortgage and said that it states it was ‘under review’ but had not been assigned to anyone. She told me that I should continue making the modified payments from the six month agreement, she would ‘expedite’ my review and get back to me. That was on April 30th. I have heard nothing. I have however, received notice of certified letter from BOA which I was told was a notice of foreclosure by your repesentative. I phoned today again, and spoke to a representative who I asked to put me through to Dorothy. He put me on hold then said he wouldn’t be able to transfer me that my mortgage is no longer being reviewed and I was to start paying according the statements I received, as well as telling me I was over $11K past due. This includes the escrow issue that I still have not received an answer to. He was extremely rude and I told him to transfer me to Dorothy and he said he has sat on hold for 3 minutes and is unable to wait any longer. Apparently he had something better to do. Apparently I have all the time in the world to sit on hold. This call was at 9:33 am on 6/2/2010. I called the direct number (877)-327-9225 and after being on hold for 16 minutes, was able to talk to Nily who told me that the mortgage was no longer under review and I would need to reapply for the loan modifications.I did not receive one letter, one phone call, one email from BOA to tell me of the status of my mortgage. I did not receive one letter, one phone call or one email from BOA to tell me that I would need to reapply. I did not receive one letter, one phone call or one email from BOA to explain the issues I raised in my letter of February 4th, February 26th and March 1st, about my escrow and BOA erroneously paying taxes that were up to date. I did not receive one letter, one phone call or one email from BOA telling me that my mortgage was no longer under review. I did not receive one phone call, one letter or one email from BOA stating the past due amount was threatening foreclosure. BOA has sent information to the credit bureas stating my account is over 8K past due, which includes the ESCROW amounts that I have still not received a response about.I filled out another application with Nily. She said it would take 3 to 4 weeks for the Federal Express to arrive with the application and the instructions I need to provide. I also informed her that I NEVER received any application or request from BOA prior to this to provide information for a Loan Modification so I am actually at a loss as to what they were ‘reviewing.’ I can assure you if you check my records you will not any recent pay stubs or bank statements or financial information collection during the past year, which would have been necessary for review of an application for a loan modification. I then asked her what the status was of the foreclosure and she said that I should continue to make payments and that should hold off the foreclosure. I have to say that I am not very confident with the information I received from Bank of America. I asked her if I should obtain a lawyer and she told me that would not be necessary. I think it would be in my best interest to obtain a lawyer. I have filed a complained with the Texas Attorney General’s Office, the FTC as well as RESPA for violation of Section 6 and 10.It is absolutely unacceptable for customers to be treated this way. BOA was more then happy to accept taxpayers dollars to get them out of their financial woes, yet the people that ‘bailed’ you out are being ignored and treated as though their lives and livelihood do not matter. I support the John Wright vs BofA Lawsuit

On 06/07/10 Benjamin & Emelia Andoh-Kesson wrote: Dear Sir, COMPLAINT – TUSTIN, CA 92780  We were sent a correspondence in the mail regarding the making Home Affordable Program, that we should make a $1,860 payments inorder to get our high payment mortgage lowered and modified. We took that in faith and did four payments except 1 payment delayed due to my wife, Emelia, who is a stroke patient (had her stroke after 12 days her baby boy was delivered by ci-section) had to be in the emergency because of her health and that made me miss one payment. We did explain our situation to the customer service but will not understand our situation. We started working with the negotiator, Patrick Lynch, who asked us to send in our financials in the Fedex package he sent to us – but before we could send our financials to the negotiator, we received a letter declining us of our modification base on our financials – but at that time we had not even sent to Home Retention or to Patrick Lynch the requested documents. This is the very reason for our concern. We then called customer service to provide us with the phone number of the Legal Department and the customer service rep gave us a phone number that went to Florida, an Apartment Complex. We thought that was very unprofessional to give us a wrong information all because we had asked him requesting legal documents on our loan. We were then transfered to a supervisor and he wasn’t helpful either – all that he said was “we are sorry for providing you with a wrong number.” An other time we called and a customer service rep said to us that she sees on her System that our modification has been approved on May 24, 2010. When we call another day we were told a different story. We were misinformed that Aurora Bank says they will not approve our modification but we know by law it is Bank Of America that has control to approve modifications. We are to the point very much fraustrated. We had a Forensic Loan Audit done and there were many violations found. We requested some important legal documents – Assignment of Note and Assignment of Mortgage and still we have not received any response. We were never given any written information when our loan was sold and re-sold to Aurora Bank. So we told them we will rather settle this by getting a principal reduction instead or our next option is to go to the court and have Bank Of America provide the court with the Transfer of the Original Assignment Of Note and Assignment Of Mortgage. We really want to keep our home, and have several times explained to the Retention Team on that matter. But to our astonishment, they sent us a Notice Of Intent To Accelerate and also sent us a letter with two options – either to “Deed-in-Lieu” or “Short Sale.” We we’ve been misinformed or lied to after Bank of America giving us promises and were not able to deliver – we feel someone wants to steal our property from us for a gain. With all the harrassments of letters and calls, is affecting my wife’s health and well-being. We need help, as such we had no where to go anymore but come to you to hear our souls COMPLAINTS. Thank you for looking into this matter.

On 06/07/10 Frank Casas wrote: : Hello My name is Frank Casas my loan # 180276199 and I live at xxxx x xxx St. Ontario Ca, 91761. I have been working with B of A on a loan modification and was said i was approved and i should be getting Loan Documents soon and never received them. I need for someone to explain to me why the reason happened that i was cooperating with you guys and then it changed all of a sudden. I am willing to make payments affordable to me. Can you look into it and get back to me. I have recently had Naca help me but i am more wanting to work with B of A if they can help, because I was denied. Frank Casas

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strong>On 06/11/10 Linda Burns wrote: Dear Mr. Moynihan: I have exhausted all possible customer service “help” offered by your bank and am desperate. I hope your office can help me, or put me in touch with someone who can. My problem is this: I cannot get a payoff amount for my home loan! My house was going into foreclosure, but I repeatedly called your bank, and so did my attorney, to advise that my house had an offer to purchase. I have had to move the closing date twice now because neither my attorney, my real estate agent or I CANNOT GET A PAYOFF AMOUNT!!! Let me state the obvious: this is ONE PROPERTY that you won’t have to foreclose!!! IT IS SOLD!!! My buyer has said that if next week Friday’s closing date does not happen, he will walk away. Then your bank will have another property on its books, RATHER THAN HAVING THE LOAN PAID OFF. I simply do not understand this way of thinking. All I am asking is a payoff amount for my loan! PLEASE, PLEASE CAN YOU HELP ME???

I am desperate. I do not feel comfortable giving out my loan number in a email but I would be willing to talk to you or your representatives. Please let me know the best time to reach your office by telephone.

I pray that I hear from you or your office by Monday at the latest.

Sincerely,

Linda Burns

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Mike Perretta wrote on 06/12/10: Dir Sir, I saw all the misleading info on Bank of America on line today and the mess that lots of other homes owners are in with them. I am in the same mess. I am sending you proof that I had received a verbal modification approval last Oct 2009 by one of the B of A reps ( work out dept). I was told not to make 3 mos payments to qualify for the modification. I had a Attorney friend speak to the Rep ( Majauna ) @ B of A and he was also told for my not to make payments for 3 mos. I was to start up again on Feb 1,2010 at the lower payment. As soon as I sent the payment in I was denied by letter. I argued with B of A and they did a new modification. Again denied. I can not tell you how many negotiators I went through in over 1 yr. In Oct 2010 ( it will be 1 yr. ) Please read all the attachments to get the full story. I am now involved with a Attorney who is working on my Modification with HEMP/HUD due to the laws and my FHA loan. Because I had went through the circles 2 times already with B of A and nothing gained. I was told that the HEMP dept would have to do a ” Manual underwriting process” witch should be better for me in the long run. I will tell you up front that I am not new to Mortgages,Credit Repair,Modifications: I have been a Loan officer for a few years in Nevada and I am now retired from that field. I don’t see where I can make any money from writing loans with all the programs that we had gone now. I have a good friend of mine Tony Tran @ Integrity Loan Modifications in Seattle,Washington I would like to know how to contact YOU who has a Class Action Law suit pending with B of A for all the same issues? Thank you, Mike Perretta

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On 06/16/10 Denise Daniels wrote: Dear Sirs: My name is Denise Daniels and my husband and myself currently have a loan withBank of America for a 1st mortgage on our home. We have lived in our home for over 23 years, with our four children.

Originally this loan was made through Countrywide Home Loans.

My issues with Countrywide and Bank of America are numerous, as we have never received straightforward answers from either of the above. Each phone call over the past 2.5 years, is met with either a denial of our attempts (in the process of a third attempt at obtaining a loan modification out of pure desperation) or to refinance our loan, and always receiving either a straight out NO or after being requested by the representative on the phone to submit certain documents to process our request, and never receiving a call or notice in the mail regarding our request. And when we do call back to request information, we are told that it is not on file, and that the person we spoke with originally is not available, or that our request was denied, but not providing us any written document or verbal explanation as to why it was denied.

At the current time, I feel that our situation is bordering a fraudulent act on the part of the Bank of America and/or initially, Countrywide Home Loans.

We have a 30 year Conventional Jumbo Loan with a 7 year Option ARM. We understood that of the options, that the minimum payment (negative amortization payment) should only be used in rare occasions, as if used too frequently, it could increase the mortgage debt, as it accrued additional interest. However, due to financial distress, loss of employment, we have had to use that minimum payment option more than we would hav liked to, as we have been trying desperately not to get behind in our mortgage payments; and due to a decrease in value of our property by over 30 percent, we were unable to refinance our loan, which caused us try to receive relief by requesting Bank of America to to allow us to enter a loan modification.

What we discovered after the first two attempts to receive a loan modification is that Bank of America is using the minimum interest payment option (the negative amortization payment option) as our “principal/interest payment”. They are not using it as an “option” but are stating that it is our principal/interest payment on our mortgage statements each month.

Due to that misinformation, they have twice denied our eligibility into the loan modification program, because they state that our current “principal/interest payment” is well below the 31 percent range required by the Home Affordable Loan modification program.

That is truly not our principal/interest payment, as our TRUE amortized payment is well over $4,500 per month, which does not even include the homeowners insurance nor the property tax payment, which would cause us to be eligible under the Home Affordable Program.

While the Bank of America hides behind their misrepresentation of what our mortgage payment truly is to deny us a loan modification, they are simultaneously stating on the same mortgage statement that our minimum interest payment is not sufficient to pay even the full interest on the loan each month, let alone the principal, and charge us $1,400 per month in interest each time we pay the minimum interest (negative amortization payment).

So we are boxed in by Bank of America:

• We cannot afford to pay more than our minimum interest payment – so our loan increases by $1,400 each month (so far it has increased our mortgage from $637,000 to well over $658,000),
• AND we cannot get a loan modification because the Bank of America states that our “principal./interest” payment is within our ability to pay each month. I don’t believe that Bank of America can have it both ways. My solution to the problem is to either:

1) IF our current minimum payment (negative amortization) is looked upon by Bank of America as our “principal/interest payment” as stated on our mortgage statement each month, they should treat it as such, and reduce our interest rate to make sure that a portion of that payment goes towards our principal; then refund the over $20,000 in interest that Bank of America has tacked onto our mortgage for each time we used the “minimum payment (negative amortization payment).

2) OR if in fact the negative amortization payment is TRULY that, and our principal payment is well over $4,500, then the Bank of America should extend us the courtesy which we feel we qualify for, and provide us with a loan modification so that we can make our mortgage payments each month and keep our home, which houses ourselves and our three children, one of which has special needs, and will have to live with us all of her life.

All we want is to live in our home, and pay our honest debt to Bank of America – however, we do not feel we have been treated either fairly or honestly by the Bank of America, or its predecessor, Countrywide Home Loans. We ask for relief from the Bank of America, actually we require it.

We support John Wright in his Bank of America lawsuit - not out of vengeance, bitterness or spite – no not at all – but out of a kindred support of his plight, and ours, and the many others who have the same simple wish as we have – to live without fear of foreclosure in our own homes.

Sincerely,

Denise Daniels, Estate Manager Callahan Residence

Update on 06/17/10 Denise: Hi John – I just wanted to update you! Wow that was fast – I just sent the email last night to the Bank of America CEO and a copy to you – and already something happened!

For months I have been trying to get B of A to look at my file in a REAL way and not penalize me for having a crappy loan (Conventional Jumbo Loan with a 7/1 Option ARM), but no one would review it with me – and I could never get a straight answer from anyone.

Well – up until yesterday afternoon, I have been able to view my Mortgage Note online – but this morning – I went to view it again – to see if I could decipher the “mortgage lingo” a little more – and when I went to open the Note, there was a big message (in red) from Bank of America which stated in essence that my loan document has been locked pending a review of my mortgage note as I requested!!! Can you believe it?? The notice also stated that it takes approximately 7 business days for them to review my mortgage note.

WOW!!! Just wanted to let you know things are moving and shaking – finally!

Thanks again!!!!

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On 06/2/10 Gustavo Cuenca wrote: Dear Mr. Brian; I don’t know you and of course you don’t know Us. We are just another family in trouble with Bank of America. After months over months trying to dealing friendly with Bank Of America without result – and still trying – one company offer to me a FORENSIC AUDIT in our loan. I didn’t know what exactly that means but I agreed and they found violations (RESPA ,TILA AND STATE’S ANTI PREDATORY LENDING LAWS). and they offer to my legal representation in a litigation against the bank. “Litigation” sound to me like fight. I WANT NO FIGHT. I JUST WANT KEEP MY HOME. I’m engineer and I construct non destroy. I make enough money now again to affort a reasonable monthly payment (I showed) I not want to live free and in a limbo for months; now that I back to my track I WANNA PAY TO LIVE DECENTLY, PAYING FOR MY FAMILY PEACE OF MIND. I don’t now what else I must to do. You are the TOP MAN; you have the power to spread hapiness or sadness. I’m no asking for nothing extraordinary, just a fair negotiation. Thank you in advance for your attention in this matter. Best regards,

–

Gustavo Cuenca

GC ENGINEERING,INC.

President

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On 06/23/10 Harlee Cobbett wrote: Mr. Moynihan, Attached find a letter sent to Senator Harry Reid about the NON-ASSISTANCE your bank has given me and my family regarding our home modification. We got the 60 day note on our door today regarding the public sale of our home. Bank of America should be ashamed of the way it’s conducting business with money that our, United States Government, gave you to help out the people. Please contact me at xxx-xxx-xxx or at albanyny317@yahoo.com. I support John Wright vs Bank of America. Harlee Cobbett

Dear Senator Reid,

I am begging you to help my family keep our home from being foreclosed upon.

We have owned our home for almost eight years and have always been current on our payments. When we purchased our home in 2002 we did not use any “creative financing” and we were well within our means; our loan was for approximately $180,000 after we put our 20% down. When the value of our home almost doubled not too shortly after, we were completely inundated with solicitations to capitalize on that growth. We refinanced our home and borrowed money against it. With that money, we economically landscaped our backyard (per HOA/CC&R rules) and paid off much of our debt. We thought we were doing the right thing.

Starting in mid 2007 we fell on some hard times. My vehicle broke down and the cost of repairs far exceeded the value of the vehicle so I purchased a one year old vehicle with a moderately low payment through a local dealership. In early December my husband lost his job and was unemployed for three months and my hours at work were reduced. We never missed a house payment but started using credit cards for our daily life expenses. My husband was able to obtain a position in the hospitality industry. In May 2009, my 90 year old mother passed away in California. I was in California for almost three weeks to be with her before she passed away and for the mourning period. I did not get paid for that time which put us farther behind in our bills. In October 2009, my husband lost his job in the hospitality industry. During that time my hours at work were inconsistent due to the economy and we again had to rely on credit cards to be able to survive; I have worked for Smith’s grocery store for almost seven years and am a member of UFW 711. During this time we continued to make the house payment and tried to pay all of our obligations including never missing my husband’s child support payment. I attempted to get more hours at Smith’s or find a second job to help with the mounting bills but was unsuccessful in doing either.

We contacted Bank of America, our mortgage holder, in December 2009 to modify our loan because my husband was not working, our meager savings was depleted and we wanted to do our best to keep our home. On this initial phone call we verbally provided them with our financial information and the representative stated that we would prequalify for a trial period of three months at payments of approximately $1100 per month and paperwork would follow. We paid the amount we were told to for two months but never received any paperwork. Then we started receiving delinquent payment calls. We were informed that no trial payment was on record. In March we contacted the Home Retention Department, verbally provided them with our financial information and after 3 weeks to a month received a packet of forms to complete. At this time we were advised by many sources to stop making payments. Media reports stated that Bank of America was notorious for not working with homeowners, not sending documentation, requesting duplicate documents, and generally playing games. In talking to the many people we knew who are going through this situation we were informed the only way to get B of A’s attention was to stop making payments. Since we were completely demoralized with the B of A process and lack of progress we decided to stop making payments. We completed the stack of paperwork and sent it to them within the required deadline. Three weeks or so later B of A mailed us a packet with a request for information that we had already provided. We contacted the Home Retention department and the representative confirmed that it was an error and to disregard the request. We didn’t contact any modification companies due to the lack of funds that were required up front with no guarantee for modification success and the unscrupulousness of most of those companies. We recently received a third request for the same information. I am in the process of completing the paperwork and will send it to them (even though they already have it) within the stated deadline. As of today’s date we have not received a response from B of A but we have started to receive notices (solicitations from attorneys and real estate agents) that our home is being foreclosed on. We also received a letter, I have enclosed a copy, from a company called ReconTrust that they are representing B of A and are demanding $246,056.77 or a letter disputing the validity of the debt within a 30 day period. I can only assume that within 30 days our home will be foreclosed and we will be forced to leave the home we love.

I am afraid to contact B of A. With all of the confusion and intentional delays on their part I do not believe that they have any true intent to assist us. I believe that there is a class action lawsuit against them for this exact reason. I thought that bills were passed and relief was on its way to help homeowners in situations like mine. The nightly TV news and the Las Vegas Review Journal have reported that “help for Nevadans is on the way.” I would really like to know where this help is. During the last election my husband, who is a registered Republican, voted for President Obama because he was sick of the way things were, the state the country was in, and wanted change. Unfortunately he is still waiting to see change and this situation has caused much friction and fear in our household.

Please, please, please…is there is anything that you can do to help us remedy our situation. I am not asking for a handout, but would simply like B of A to provide us with a real loan modification. No more games, just a real modification that we can agree upon so that we do not have to disrupt our health, our home life and our daughter’s school (she is an A/B student). I love my neighborhood and the local storeowners that rely on us, the little people, to survive. I was told by friends and customers at my work who are going through this same process and by my own research on the internet that B of A generally offers a three month trial period at some arbitrary amount but after the three month period even if all payments are made as stated there is no guarantee that the modification will be approved. My friend made all of her trial payments and B of A told her that her trial rate was not approved and she had to pay $300 per month more! What is this, a scam? They weren’t trying to help her retain her home in my opinion and she felt that B of A knew that they would not approve her modification. It was as if they were trying to get three months of payments from her since that was better than nothing. She ended up declaring bankruptcy, lost her home and ruined her credit for a long time. Senator Reid, I am afraid that this is the direction that my family is heading. For 29 years I have been employed, paid my taxes, maintained a 750+ credit score and paid all of my bills. Where has all of my diligence and responsible living gotten me? Possibly to bankruptcy and losing my home (the American dream) due to the economy taking such a down turn and unscrupulous activities in the mortgage and real estate industry as well as Wall Street, that I had no control over. I do not want to become a statistic. Senator Reid, if B of A can modify my payment and/or lower my interest rate and get my payment down to $1200 per month (which is above the “trial” amount from the initial phone call), my family can stay in our home.

I love Nevada, my home, my daughter’s school, my neighborhood and all of the benefits that Las Vegas offers. I want to stay here, pay taxes and support my local vendors. I do not want to move.

Please help and advise me what I can do in this situation. Time is of the essence. You are our only hope. If you are able to help my B of A loan number is XXXXXXX and you have my permission to contact B of A to do whatever you need to do to help my family.

Sincerely,

Harlee Cobbett

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Mr. Moynihan, I’m writing in regards to account # xxxxxx. I have been in contact with Bank of America since November of 2009, trying to resolve the matter with the arrears on my account. Back in December I was told that I was under review for a special forbearance. I called the bank multiple times every week to check on the status and was constantly given conflicting information. No documents were ever requested and back in April I was told that I was denied. I was never told why are if I needed to provide any information. My financial information was taken over the phone and I was then told that my loan would be put in review for a partial claim.

We are now a few days away from July and I’m still not able to get any concrete information. I received 2 letters from BoA. One of which had the incorrect loan number on it but was addressed to me and delivered via FedEx. This letter stated that I didn’t qualify for any work out options and that I would need to sell my home or do a deed in lieu of foreclosure. When I called the bank, I was told to disregard this letter to the erroneous loan number on the letter. The representative told me to shred the letter. I told him that I would not do that, providing that I may need to refer to this later in my defense. The other letter I received had the correct loan number and same information as the first letter. When I called the bank regarding this letter, I was told to disregard the letter because I was still under review for a partial claim and that the letter was sent out in error.

I received a letter dated June 16^th 2010 from Phelan Hallinan & Schmieg, P.C., who’s the law office representing BoA in the foreclosure proceedings on my condo. The letter stated that Bank of America was going to proceed with a judgment against me and that this will take effect July 1^st. I immediately called Jessica Hansbury (the attorney handling my case at Phelan) and she mentioned that BoA was suppose to notify her office of my pending review status, in order for the file to be placed on hold. I then called the bank was told that someone left me a message, however the rep couldn’t tell me what number was called nor the details of the message.

A few months ago, I was able to get a voucher from the Passaic County Board of Social Services in the amount of $6300. The check was sent to Bank of America, after I was told that I can still submit payments. The check was returned to the Passaic County Board of Social Services and I was never notified. I became to privy to this information during my many phone calls to the loss mitigation department at Bank of America.

I’m a single mother trying to keep a roof over my head just like millions of other Americans during this economic climate. I have taken all the necessary steps to get this matter resolved. I fell behind on my mortgage due to loss of income back in November of 2009. At that time I went to the Board of Social Services to see what type of assistance I could get. The voucher was processed only because I was able to correspond with Ms. Hansbury to obtain the necessary information to provide to Passaic County. It was very disheartening to find out that the voucher was returned and my loan went into foreclosure. I have never been able to speak with the negotiator handling my account.

Ironically, I’m now working as an administrative assistant for a law office that focuses on foreclosures/loan modifications as I prepare to attend law school. I know all too well that there are many people dealing with the struggle of trying to keep their homes. My question is what do I need to do to keep mine? I was never told why I was declined for a special forbearance. I’m now making $1400 a month before taxes and I’m taking the necessary steps to lighten my expenses. All I’m asking is for a forbearance or a lower mortgage payment.

I can be reached at xxx-xxx-xxx.

I’m looking forward to your response. “I support John Wright vs. BofA lawsuit!”

Best,

Danielle Dujon, Administrative Assistant

Law Offices of xxxxxx

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On 06/23/10 Sherri Tripp wrote: Dear Mr. Brian Moynihan, My name is Sherri Tripp and I am writing to inform you that I have been in the loan modification process since January 2010 and as of today, I still do not have any answers. Unfortunately our file seems to be mismanaged; I have spoken to dozens of Bank of America employees and I have sent in partial payments as good faith payments. Your company has lost papers, not posted checks, provided me with inaccurate information and most recently, canceled my modification because they said they did not receive requested documents. I have confirmation that the all my faxes have gone through and I do not want to start this process over for a third time due to Bank of American mistakes, lost documents and mishandling of files. I am ready to begin making affordable payments and do not want to loose my home. Can you please help me, I am desperate and can not get anyone from your company to give me a straight answer…

Since January 6, 2010 I have called almost weekly to get status updates and have been transferred and told different stories each and every time. I have a log of almost every conversation and…. BOA representatives have been giving us conflicting and inconsistent answers from different departments. It appears that many of the BOA reps, that we have spoken too, do not understand the Loan modification/MHA program and process. Below are a summary of date, steps and conversation notes since January 2010.

June 23, 2010-third letterJanuary 11, 2010-orginal letter

March 22, 2010-Second Letter

Sherri Tripp: Attached extensive notes to CEO and piggybankblog has them on file.

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On 06/24/10 Carrie Ann Elsesser Wrote: I am going through the same thing as we speak. BOA has failed the system. I received the same denial letter you did and made my trial payments on or before the first of the month. They too took not three months but here we are now, almost July and I am still battling with them (my first trial payment was on January 1, 2010). In the contract it states it could take up to 45 days to get an decision; it is now June 2010.

I have never been late on one payment and in May, they reported me to the credit agencies that I was past due; no fault of my own! BOA has not kept up with their obligations and I demanded they remove my name and any adverse effect the reporting may cause on my credit reports. I hold very high clearances and this could cost me to lose those clearances and my livelihood due to their poor, unorganized processes.

I call every day and get a different story every day therefore; I am drafting a letter to my local congressman, state attorney general, my attorney and calling the news station to report my horrible experience with Bank of America.

Not only did they not fulfill their part of the contract; their agents are rude and not customer service oriented. I just received a past due letter the other day and now they are stating I am 3085.00 in arrears because they could not fulfill their contractual obligation in time. They fraudulently reported me past due. In the contract, it states the following:

“If you are delinquent when you enter the trial period, we will continue to report your loan as delinquent to the credit reporting agencies during the trial period even if you make your trial period payments on time. However, after your loan is modified, we will only report the loan as delinquent if the modified payment is not received in a timely manner.”

I made all payments on time and they reported me anyway; I was told on 20100623, that they will remove the claim but it will take 60 days! This is ludicrous. I too am fighting back because like you and many others, we have done nothing wrong; just everything right.

I too am unable to access the “Pay Now” feature on my account because of their poor business practices. If my account gets completely blocked due to this email; this will also be addressed in my letters to congress, the attorney general, and my attorney, along with the media.

I cannot even make a payment the way I want too; they dictate that as well and that was the last straw for me.

Carrie Ann Elsesser

Update on 06/25/10 Carrie wrote: I received a phone call from Bank of America today in reference to the email. I am trying to contact them now. I know they did this with you so I will keep you abreast as to what bullshit they have to tell me next.

I am still writing my local congressman, state attorney general’s office, the news and I have decided that I am writing a letter to the President asking what happened to all the money created out of thin air that the banks received on behalf of the taxpayers.

If we could get everyone to stop paying on their mortgage; what an international disaster that would cause.

v/r,

Carrie Ann Elsesser

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On 06/25/10 Theresa M. Combong wrote: WE WILL NO LONGER TOLERATE BANK OF AMERICA’S POTENTIALLY ILLEGAL, FRADULENT, IRREGULAR AND ABUSIVE BUSINESS METHODS.

To Whom It May Concern,

I ORIGINALLY filed for loan modification with Bank of America November 12, 2009. My original loan was with Greenpoint (for $390,000/ 30 yr. fixed at 7.4% in 06/2007), who sold to Countrywide, who sold to BofA. I found out on December 28, 2009 that BofA lost my original application for loan modification (which was done via phone on 11/12/09 with “Phillip” at BAC Home Loans), setting things back a month. I had to refile for the entire modification all over again. I did this January 18, 2010 with the services of Imperial Home Mortgage in Roseville, Ca. For a hefty fee they prepared a complete package with detailed analysis and presentation of my income, assets, monthly payments and expenses. This package also included my hardship letter, cost-benefit analysis, cash-flow and balance-sheet, current market analysis of my property and a proposal for loan modification.

I stopped making mortgage payments in December 2009 due to eliminating all of my savings funds to make up the difference in my lack of income. So, I am now seven months delinquent, totaling $21,843 as the past due amount. Plus my principal balance is still $380,611. I am totally underwater and need help! My original monthly payment was $3010.30 (including escrow). Not to mention my property value has dropped over $150,000 plus $20,000 in renovations, condos in my complex are selling for less than $230,000!!!

After bi-weekly phone calls to BofA and hearing the same thing “your loan modification is still under review,” I received via FedEx in April 2010, a request from BofA for updated financial’s and a form to submit for the Making Home Affordable Plan (MHA or HAMP). I completed this, sending it via FedEx to BofA on April 3, 2010. I have still been calling bi-weekly since that time and hearing the same thing “your loan modification is still under review with the negotiators” On June 1, 2010, I also confirmed this status directly with the Making Home Affordable group or the HOPE team.

I have read and hear from co-workers that many of the “trial” loan modifications that are enacted for three months are fraud. BofA rarely makes a permanent modification and then requires the borrower to repay the full delinquent amount plus late-fees. By doing this it creates an even higher principal and monthly mortgage payment then originally existed. How does this make any sense?

On June 9, 2010 I called the HOPE team and BAC Home Loans as usual to check the status and to see if I could contact my negotiator and also update my financial’s (my gross income has declined again and we now have a monthly car payment). I was told as usual that my “loan is still in review for a conventional loan modification.” I asked what is that? Apparently, I am not even being reviewed for the Making Home Affordable Program and I was never notified of this!!! “Shawn” at BAC Home Loans could not see any notes about my loan ever being considered for MHA/HAMP! I have copies of everything I was sent and everything I returned, all via FedEx to and from BofA applying for the Making Home Affordable Program. I also HAVE PROOF that BofA received this package (FedEx tracking number, who signed for it; “A. Taylor” and exact date, time and location; “4/7/10, 9:12am, Broomfield, CO” of delivery and acceptance). They claim that another package was sent to me via FedEx with a proposal for loan modification under Fannie Mae and Freddie Mac. I never received this package! They say since I did not return this package by the date requested that the only modification I am now being considered for is a conventional one. With my circumstances I am eligible for the MHA/HAMP program! Under a basic conventional loan modification my payments will be higher because they will add on the past due amount to try and make my loan current again. How will this help me?

Most recently, on June 21, 2010 I received a package from BofA via FedEx. BofA claims they have been unable to get a hold of me regarding my loan and to send them my current contact phone numbers. This is a total lie! I record every conversation I have with anyone regarding my loan, whether I have called them or they have called me, both instances have occurred! I most recently RECEIVED a phone call from BAC Home Loans on June 14, 2010. A three minute conversation was help. How can BofA say they are unable to contact me? I am tired of the lies, the games and the run around that BofA attempts with their customers!

If BofA will not work with me on my proposal for loan modification, they are looking at suffering severe foreclosure costs well over the amount of my properties worth! I support John Wright vs. BofA Lawsuit!

Distressed homeowner,

Theresa M. Combong

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On 06/28/10 Ashley wrote: My name is Ashley Ruble, I was laid off in April 08 and in August 08 tried to start doing a loan modification with BofA. It has been unsuccessful since I started. The first time they basically told me I didn’t qualify and to make my payments or else, so I borrowed the money to catch my payments up. Now my husband is sick and we are behind again, this time though I can’t borrow the money. When you call BofA you get now where or someone who hardly speaks English that doesn’t even know how to help you. I am fed up and need help, I thought Obama put things into place to help homeowners from losing their home, but unless you have the money to hire a lawyer you’re going to get nowhere fast with BofA and be foreclosed on. It’s just upsetting I’m young and this is my first home, if I’m foreclosed on it will take a miracle in order to ever buy another home. I just don’t understand why BofA doesn’t care to help people who are in need. I think maybe Obama should put a full investigation into this. BofA is destroying lives everyday just like the oil in the gulf, there is no difference so why isn’t anything being done to them? Maybe John Wright and his lawsuit will get some action done against BofA.

Sincerely

Ashley Ruble – Kentucky

“I Support John Wright vs. BofA Lawsuit”

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Rick Punzo wrote on 06/28/10: Memo

To: CEO Brian Mognihan

From: Rick Punzo

Date: 6/28/2010

Re: Home Loan Modification – mortgage account number #114856238

Dear Brian Mognihan,

First of all BofA has been part of family for my whole life; my Mother worked for BofA for over 30 years.

I have been a customer for 20 years, I have had two mortgages with you, a car loan, have a checking and savings account and I have been a good paying customer.

There are no words to describe my horrific experience with your company regarding trying to get a Home Loan Modification. Not only my experience but also many others, online there are countless testimonials of others who have had my same experience.

I feel like I have been dealing with the devil, there have been lack of and miss communication, deception, lies, rudeness and lack of follow through. All of your departments that have a hand in this process work in silos; no one knows what the other is doing. I have talked to at least 12 different reps (you can never get the same person twice; you do not give extensions numbers), have received at least 6 different numbers to call, been bounced around your phone system like a ping ball, been disconnected a couple of times, reps transfer but do not tell the transferee why I am calling, so I have to explain my inquiry again. I have wasted countless time because of the incompetence of your employees and your process.

I originally called you in Spring of 2009 about refinancing or getting a Home Loan Modification but was told I did not qualify and would have to keep calling until legislation/guidelines change and than I may qualify. I heard and read that things had changed so I decided in December 2009 to inquire again, I initially was asked a series of questions and than was advised it would take about 45 – 60 business days for you to send me the intial paperwork. I understand you have had many of these requests and it might take time, so I was content on waiting but had no idea how bad this journey would become. You sent me a request for intial documents in March 2010, I sent those documents via Fed Ex in March 2010 and I called to advise they were sent, verified with you that they were received and was told I would have to wait an additional 30 -75-business days. I than received another Fed Ex from you in April that stated my documents were missing and I had to resend them, this did not make sense, since I verified with Fed Ex online that you had received my Fed Ex in March 2010 and I tripled checked my documents to make sure they were completed and all were in the Fed Ex envelope before I sent it. I called, talked to a rep and they advised that the letter that was sent is a generic letter (why would you send a generic letter and confuse your customer) and that in fact my paperwork is not missing but another area of your company is asking for the same paperwork again and because of HIPAA they could not use my paperwork I sent you in March. I sent that paperwork via Fed Ex, confirmed with Fed Ex online you received, I called you to verify it was received but it could not be confirmed until about week later since you had lag time from receiving the Fed Ex to when my documents are logged in some system.

During this time, I receive my monthly statement that showed I was due my regular payment plus escrow; increasing my monthly payment by almost $800, I was again confused. I called and found out that an escrow account had to be setup (was setup on 1/19) and that you also made my property tax payment that was due by April 2010 (I also, made this payment and now had to collect it from the county). I advised the rep no one from BofA every told me that an escrow needed to be created, that you would be making my tax payment and that my monthly statements would be going up. The rep basically said take it or leave it, I talked to another rep and they gave me the same run around, they said they could do some calculation to extend my escrow payments but still my bill would be my regular payment and some of my escrow. I kept telling you that if I am trying to get my payment lowered how in the world does BofA expect me to pay a higher monthly payment. Finally, I was told someone from escrow would have to call me back. A female rep called me two days later; she advised she could push out my escrow payments until July and by than I should have had a decision on my Home Loan Modification. She confirmed that I would only be due for my regular payment and she sent me another statement to state this.

I than called periodically for updates on my Home Loan Modification and was than told that Underwriting was reviewing and I should get an answer in June. On June 11, I received a voicemail from a rep advising me to call you regarding my missing documents; this message confused me because you had already received my documents twice, once in March and again in April. I called that afternoon, another rep advised my documents are not missing (so again why does a rep leave message that my documents are missing, when they were not) but Underwriting needs my documents again, she advised me to send everything that I sent in March and April plus two updated pay stubs with in 72 hours. I faxed the documents on June 14, called and talked to a rep (keep in mind I had to call twice since the first time the fax number that was given to me was not working, so the rep gave me another one) and they advised me that you received my documents and I should get an answer in 30 days (beginning of July), at this point I am remember that my escrow was pushed out to July so I am concern about getting a statement showing my regular pmt plus escrow. On June 18, I received a letter from you verifying that you received my faxed documents and it will take 45 days to make a decision, based on this I am confused because now for sure a decision won’t be made by my July statement, I called June 22, spent over an hour with reps from home retention to default to escrow; no one could give me a reasonable answer on why it is going to take 45 days for a decision when you have had all this paperwork since March and April but default department said I had no choice and that the investors would have to review. I than talked to escrow and asked about what can be done with my escrow since my July statement will have my regular payment plus escrow, they said nothing they can do and they said default/home loan modification folks should have had a decision on my trial payments by now. I advised a female rep last time called me back and made this change for me, the male rep than said her name is Miss Jackson and he would email her to call me back, well it has been over 72 hours and no call. So at this point, I have to wait again for Underwriting or the investor to review the same documents they have had and no one can help to adjust my escrow until a decision is made on my potential trial payments. If I am trying to get my payments lowered by going through this Home Loan Modification process, how do you expect the consumer to make a payment for more than what they have been currently paying? I have been paying interest only for 5 years, according to my July I have to pay my regular payment plus escrow and escrow says they cannot do anything for me. I would think someone could push out my escrow until I get a decision on my Home Loan, I should be able to just make a regular payment until a decision is made. This is perfectly sane request.

Who at BofA can help me? I am tired of getting the run around for these last 7 months. I want a decision on my Home Loan Modification (I think it should be approved) and I want my escrow payment to be pushed out until this is done. I have done everything BofA has asked me and more, I know if I have not been persistent with you there is no way I would have gotten this far. Please advise.

Sincerely,

Rick Punzo

I support John Wright vs. BofA Lawsuit

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Michael and Jacqueline Fustero wrote: Dear Mr. Brian Moynihan, My name is Jacqueline Fustero and I am a small business owner. Things were getting tight. With rising property taxes, our monthly mortgage payment was increased by $1000. While we were not in significant financial stress, my husband and I were looking for a way to ease some of our monthly expenses. We were falling 30-45 days behind on our mortgage. As advised by President Obama, we contacted you, our mortgage lender, asking for help. We were informed of a government program being offered by B of A called “Home Affordable Modification Program”. We applied over the phone, signed NOTHING. We received NO paperwork. There was NEVER any mention of a lump sum payoff amount being DUE UPON DENIAL (we never would have done it, or at the very least would have set the money aside in anticipation of denial). Our next mortgage statements came stating to pay the “trial period” amount ($800 less). Suddenly, 18 MONTHS LATER, we received our normal statement to pay the “trial” amount and the next day received a “notice to accellerate” stating we owed $21,000 or forclosure would begin in 30 days (July 6, 2010). I immediately called B of A to discuss this completely unexpected bill and informed them that I never signed anything and never received any paperwork. They then told me that I had been denied at the end of May 2010 and that’s why I received the bill and accelleration notice. When I expressed outrage at never having been informed about a payment at the end, I was told that B of A had signed documents stating my acceptance of terms. Once again, this is impossible since we NEVER signed a single document.

My initial goal for looking into this program was to lower my rate while providing for my family. If I had been able to pay out $21,000, I never would have needed this modification. I am a responsible homeowner who has lived on my property for 41 years, without incident. I am extremely concerned that I have been a victim of some type of unethical procedure. I have contacted my lawyer and various agencies to report this practice and have found that this is a common practice of B of A.

I am sure you are an ethical man and as the responsiblitity for the practices of your bank fall on your shoulders, I am sure you would want to be aware of the way this makes B of A appear to the general public.

Sincerely,

Michael and Jacqueline Fustero

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On 06/28/10 Diane Cleaves wrote John: I was accepted for a Hamp loan, Key Word WAS. Of course all the paperwork was done by mail, I never saw a loan officer in person. No one went over the paper work with me. I sent in a $400.00 application fee. I was told the loan was accepted, after 4 month of my trying to get a closing date. Then, when it came time to sign on the dotted line, I was rejected. I marked “Married”, even though I’ve refinanced this piece of property in the past by myself. They needed my soon to be ex’s signature, so they refused to give me theAnd of course, I’m out $400.00..

mortgage.

Then I received a notice in the mail, stating a completely different reason for the rejection. Unable to obtain satisfactory lien validity or priority.” “too many inquiries last 12 month. ” I don’t know how that could be, this is the only thing I have I have

requested. I have not requested any credit cards or auto loans. I’m not happy with how Bank of America treated me on this.

This will just be another statistic for BofA and the Hamp Loan to show the government how they “helped”.

Diane Cleaves

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Tags: bac home loan mod complaint