Debate With BofA Employee

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Bank of Blaming America Employee wrote on 07/17/10:These comments seems like a broken record and as a Home Retention Analyst in the Modification Department for the company, I am going to shed some light on this. First, all of the TARP money I keep hearing about, Bank of America has paid that amount back in FULL with interest. So we are not “stealing” tax payer money for ourselves or anything like that, its been paid back. Which brings me to the next issue, BofA doesn’t have to offer MHA or HAMP as an option as we do not have any of the governments money anymore. We are offering it because it can be a good program and fact is, we still have the most approvals for trials and permanent modifications than any other mortgage servicer by far and large. It isn’t in our interests to deny for modifications regardless if it is the government programs or in-house programs, the bank doesn’t make money if you aren’t making a payment. With the paper work being ‘lost’ on purpose that is preposterous. There are upwards of 100,000 people at a time applying for these programs so yes sometimes we may need you to resend the information if it wasn’t put into your file. A lot of times it isn’t the bank; mortgagors do not send the right information or all of it or they do not specify their loan number on EVERY page. If you send 10 pieces of paper but do not put your loan number on every page, the pages without it probably won’t get to your file. The process isn’t perfect but like I said, we still are approving more than everyone else. Not every home can be saved, its a sad but true statement. Many people got homes that they couldn’t afford in the first place which is the fault of the bank and the mortgage or as they should know what is affordable to them off the bat. When it comes time to modify the terms, a lot of times it still is not affordable based on how much you make, spend, etc. If it doesn’t show an affordable payment based on these information, we are not going to modify the loan based on the EXTREMELY high risk and rate of re-defaulting and we have to go through this process all over again. I can guarantee you though as an analyst, every option is being explored when you apply, if that weren’t the case, no one would have a job in this company. You have to let the process run its course regardless if you have to send more paperwork, make more trial payments, etc because there are another 100,000 people like you trying to get assistance. Instead of rallying around people like Mr. Wright who was having problems getting his loan modified, focus on the all the mortgagors we are helping and modifying.

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John Wright Responded on 07/18/10: Well you see, not only do I disagree with Bank of Blaming America’s claims, but apparently a Federal Judge did too the other day in court. The Bank of Blaming America Attorney began to stutter in response. Not even Porky Pig did as much stuttering when the Bank of Blaming America attorney had to respond to the Federal Judge refusing to dismiss my case. Click here to hear what Stuart Price kind of sounded like.

If Bank of Blaming America sent you here, the question is did I fall for Bank of Defrauding America using you for bait to get me to respond? Or did Bank of Blaming America fall for my bait to get them here to respond?

First point:

You stated: “These comments seems like a broken record and as a Home Retention Analyst in the Modification Department for the company,”

John Wright’s response: I am sorry that our screams of pain seem to annoy you, while you are being paid to listen to that broken record. This is why you are a broken company, whose stock value is going down. You do not have to be in this room and I am happy to escort you out if you do not like it.

Second Point:

You stated: “I am going to shed some light on this. First, all of the TARP money I keep hearing about, Bank of America has paid that amount back in FULL with interest.”

John Wright’s response: I am going to shed some light on this for you now too. Yes it is true that they paid back the 45 BILLION dollar Tax Payer loan with interest. However, you neglected to mention that they paid themselves back in interest too. Even if it were at 1% interest, that would equal $450 MILLION DOLLARS that BofA made off of just having it. They were rewarded for a crisis that they potentially played a part in causing with their greed. I will tell you what, if the American government would like to loan any of these people 45 BILLION dollars, I am sure they would pay it back after they make interest on it too. At the end of the day, a Private Bank exploited our tax money for its own gain. For what? For Bank of Blaming America to turn around and admit they did not need it. It sure has been a hell of a thank you having you blame the American Taxpayer in the end. We do not pay our Taxes so that BofA can go to the real Bank of America (the taxpayer) and use their TARP ATM card and with draw money. Contrary to your belief, the American Taxpayer is not a bank that loans money for your piggy company to make money on. Your company has lived on welfare long enough. You see, Bank of Using Taxpayer dollars even charged millions to even receive the money

Congress Youtube:

Third point:

You stated: “If you send 10 pieces of paper but do not put your loan number on every page the pages without it probably won’t get to your file.”

John Wright’s response:

Well Bank of Blaming America, I am not sure that you know these people here did not put their loan number on the top of each page. You see, if you lost it, how would you know that?

Fourth point:

You stated: “We are offering it because it can be a good program and fact is, we still have the most approvals for trials and permanent modifications than any other mortgage servicer by far and large”

John Wright’s response: That is not the official press release from Bank of Blaming Obama. In fact, I think they said it was a terrible program and blamed Obama for why there was all these problems.

You stated: “BofA doesn’t have to offer MHA or HAMP as an option as we do not have any of the governments money anymore.”

John Wright’s response: So are you suggesting they had to while they had the money now? If you are, I think that would make Bank of Defrauding America liable to all those who applied during the time they still had the money.

Sixth point:

You stated: “we still have the most approvals for trials and permanent modifications than any other mortgage servicer by far and large”

John Wright’s response: Yes. As well as Bank of Blaming America had taken a larger bail out than the majority of them too. Yet I think either you do not know what you are talking about, or you are lying. The reality is that BofA has PROCESSED more than the others, but BofA has DECLINED more modifications than the others according to the chart below on 09/13/10:

Seventh Point:

You stated: “Many people got homes that they couldn’t afford in the first place which is the fault of the bank and the mortgagor as they should know what is affordable to them off the bat.”

John Wright’s response: No dah! As well as many people bought houses they could afford when they bought them. What is your point here? You do not know that these people in this complaint room bought houses they could not afford at the time of purchase. For the record, I did buy a house that I could afford at the time. However, Bank of Bullying America bought major banks in 2005,2006,2007,2008 and 2009. Which incidentally, they also got a 45 BILLION DOLLAR BAIL OUT in 2009. It sounds like Bank of Blaming America actually bought a house they could not afford

Eight point:

You stated: “It isn’t in our interests to deny for modifications regardless if it is the government programs or in-house programs, the bank doesn’t make money if you aren’t making a payment. With the paper work being ‘lost’ on purpose that is preposterous.”

John Wright’s response: Not preposterous at all if you click here and read the article where a Bank of Blaming Executive potentially admitted it. Never the less, unless you are the one who lost the paperwork, it is just your opinion based on no facts. You simply do not know. So if you have evidence that stipulates the contrary, I invite you to post it.

Also for the record, Bank of Blaming America does make money if we do not pay the loan. What the hell do you call late fees? Allow me to “shed light” on this for you:

You stated: “There are upwards of 100,000 people at a time applying for these programs so yes sometimes we may need you to re-send the information if it wasn’t put into your file. A lot of times it isn’t the bank; mortgagors do not send the right information or all of it or they do not specify their loan number on EVERY page.”

John Wright’s response: I noticed that Bank of Speaking Down To America only wrote the loan number on one of the documents they sent us. How about you practicing what you preach I own companies, so I am going to solve this problem for Bank of Blaming America. I can tell you how to fix this problem right now. How about having the person who opens the Fedex write the loan number that is on page one of the documents, on the rest for us. Do you know why they do not do that? Basically, because they do not want the problem fixed. The reality is that the one of the documents you sent us had our loan number typed on it and this would be easy to do. The customers are allowed to be incompetent. However, they have chosen Bank of Blaming America to not be incompetent. I am not sure it is good business to blame the customer for your incompetence. Though we appreciate Bank of Defrauding America still speaking down to us the way you just did here, we do not work for you.

Tenth point:

You stated: “If it doesn’t show an affordable payment based on these information, we are not going to modify the loan based on the EXTREMELY high risk and rate of re-defaulting and we have to go through this process all over again.”

John Wright’s response: Why not? I think that is why we allowed Bank of Blaming America to make interest on the money the Tax Payer gave them. That money was not given to Bank of Blaming America solely pay itself. It was given to Bank of Blaming America to give the Taxpayer a bailout. So Bank of Blaming America was paid to take a HIGH RISK. I will say it again, even at 1% Bank of Blaming America stood to make 450 MILLION DOLLARS FOR JUST HAVING THE MONEY! They made money off the Taxpayer.

Eleventh point:

You stated: “I can guarantee you though as an analyst, every option is being explored when you apply, if that weren’t the case, no one would have a job in this company.”

John Wright’s response: Does this guarantee come before the nine months of looking for the paperwork, or after? Oh I am sure that we believe that Bank of Blaming America searched every option. You see, we all got the letter threatening us with Foreclosure, which was one of the “options” Bank of Blaming America apparently researched.

Twelfth point:

You stated: “You have to let the process run its course regardless if you have to send more paperwork, make more trial payments, etc because there are another 100,000 people like you trying to get assistance.”

John Wright’s response: Wrong again We do not have to wait for anything. This is why I sued Bank of Blaming America. Which by the way, a Federal Court Judge agreed with many of my lawsuits points in court the other day. What you are neglecting to mention. is that during that time you say we have to wait, Bank of Blaming America foreclosed on people. We also do not have make more trial payments. My trial payment was actually higher than my original mortgage payment. I suggest to you that if I could continue to pay a higher payment while you get shit together, I would not need a modification. So stupid.

Thirteenth point:

You stated: “Instead of rallying around people like Mr. Wright who was having problems getting his loan modified, focus on the all the mortgagors we are helping and modifying. ”

John Wright’s response: At least you are saying my name:) Well Analyst, it does not sound like you analyzed who you are talking to here. If you had read their responses, you would see that they have their own complaints with the modification. To ask them to forget that they are losing their house and pat you on the back suggests that the ones looking at these loans, are as out of touch with reality as we claimed. You see, these people are not here to rally around John Wright, as much as they are here to see if I win in court. This because if I do, it will bring 3-4 million lawsuits and set case history. You had your chance to make it right, but it is readily apparent that you are still wanting to blame it on the customer. We are here to unite as one voice against Bank of Blaming America’s potentially irregular, fraudulent and simply abusive loan modification process. What are you here for? Looks like Bank of Defrauding America is starting to sweat

In conclusion, it is readily apparent that you have brought a knife to a gun fight here. It is also apparent that you unqualified to debate me. Even Bank of Blaming America knows better than to send someone as unqualified like you to me. All you did was accomplish actually saying things that would spark me educating people more about the truth, such as 1% of interest is 450 MILLION DOLLARS. You see, not only do I fly like a butterfly, but I sting like a bee I also eat shit like you for breakfast

I am John Wright and I AM FIGHTING BACK! Now who the hell are you?

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BofA Employee wrote: 07/27/10:Do you realize that out of the 14.5 million loans in bank of America’s portfolio that 2 million are actually BAC loans and that the rest of the loans are private investors, in which bank of America services. I understand your personal vendetta against bank of America cause you lost your home or are in the process, really I don’t know your full story. I personally think there are a lot more important problems to worry about and all this process has shown is how irresponsible both the banks and homeowners are. We have soldiers dying overseas and yet I have had homeowners tell me that they rather be in a combat zone then deal with bank of America. I mean really, having come from a combat zone while deployed to Iraq in 2008 and have people I know injured and killed during my deployment, we are talking about small potatoes when you look at the current mortgage situation, but it just seems that you think that you are entitled to keep your home when you default. Perhaps I am in sensitive toward other people’s problems or salty, but I guess I just enjoy having the ability to live and work hard for the things I have and to avoid taking on a lot of debt which seems to be the number one reason why people are in the situation they are in. I cannot tell you how many people I have debt counseled that have stopped making payments on the home, but continue to pay the credit card companies or still make payments on the motor home or 3 cars that they have. It sickens me, but I think a lot of people look at the Making Homes Affordable program as a entitlement and a guarantee.

Truth is that BAC and your investor do not have to offer you the assistance, especially with FHA loans. BAC does make money off of each loan they modify under MHA so it’s a bunch of crap to think that it’s not within the best interest for BAC to modify the loan, but it is ultimately a business decision. I’m not saying that you’ve not been done wrong, things do happen, especially considering that BAC took over countrywide right before this implosion of the market and had to overhaul the whole workout process. Yes blame BAC for the issues at hand, but really you should be blaming the management that was in place when Countrywide was the servicer as all the current improvements with the workout process is a direct result of that overhaul. Bank of America did pick up a mess when they acquired countrywide, just some food for thought. Also the Treasury did introduce this program and told BAC to run with it when MHA was first introduced and it’s taken a good year and a half to smooth over the issues and process. Trial payments before approval for a MOD was a huge issue, now the process is reversed where approval is met first, then possible trial is offered or a permanent mod. A lot of this is the treasuries fault.

Also I stress, please keep paying your mortgages while in review, nothing will effect a decision against your loan then just stopping payments, plus the delinquent interest put on the rear of your loan can make a modification under MHA a lot more difficult or impossible depending on your investor, especially if you have a low interest rate to being with. Also workout is not guaranteed.

Thanks

I support BAC and I do work for them. I prefer to not disclose my name as I do enjoy my job and would like to point out that Bank Of America is in the process and has been undertaking the chore of moving all it’s resources with home loans back to United States and out of India. I know some people will be happy to hear that.

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John Wright’s Response: I do not think you understand my personal vendetta at all, if you do not know if I lost my house or not….lol Do you understand that we could care less if “14.5 million loans in bank of America’s portfolio that 2 million are actually BAC loans and that the rest of the loans are private investors” Do you know why Bank of Blaming America just services some of those loans? Basically, because they potentially made money on the bad loans their bank gave without little to no employment verification.

You stated in part: “I personally think there are a lot more important problems to worry about…” Never the less, even this statement is unsubstantiated by the facts. If you thought there is something more important, why are you here making comments? What do you suggest to these people that should be more important to them than losing their homes right now? I truly feel this is another way to say you do not care. Which incidentally, is consistent with our experience while on the phone with Bac Home Loan employees.

I am happy that you have finally admitted that you do not know my situation. Neither do you know any of these other peoples situations. Considering this fact, it might have been irresponsible of you to come on here making statements about something you know nothing about. Never the less, in my situation I was approved. I was then denied, because Bank of Defrauding America could not shake me down for more trial payments. For the record, THERE IS NOTHING IN THE AGREEMENT THAT STATES THAT WE HAVE TO CONTINUE PAYING TRIAL PAYMENTS TO QUALIFY FOR A MODIFICATION! NEITHER DID THE TREASURY DEPARTMENT REQUIRE A HOMEOWNER TO BE BEHIND TWO MONTHS IN PAYMENTS. This is completely made up by BANK OF BLAMING AMERICA. I will say it again: “if we could afford to make the HIGHER trial period payments for more than three months, we would not need a loan modification!” What part of that do you not understand? If you have any evidence that shows we agreed to pay beyond the three month trial period, I will be happy to post it:)

Oh we do blame the management of Countrywide. However, if Bank of Blaming America did not want the accountability to the Countrywide customers, I suggest they should not have bought it. Contrary to your wish list, Bank of Blaming America is accountable to the Countrywide customers. Therefore, your statements are simply ridiculous. If Bank of Blaming America wants a refund, I suggest Bank of Blaming hold the original managers at Countrywide accountable….. not us! We did not buy Countrywide. I guess Bank of Blaming America should have read their receipt…….NO REFUNDS

You stated “I personally think there are a lot more important problems to worry about and all this process has shown is how irresponsible both the banks and homeowners are.”

Who cares what you think? Never the less, that is not “ALL that this process has shown.” You see, it has also shown that a private bank received a 45 BILLION DOLLAR BAILOUT BY THE TAXPAYERS, and then did not give all the modifications they promised.

I agree with this video below that stipulated that it is wrong when a private business is given a bailout.

Your statements that it is the Treasury Departments fault, are simply unsubstantiated by any facts. You have produced absolutely no evidence supporting your claim. Never the less, that is Bank of Blaming Americas responsibility to hold the Treasury Department accountable, not ours. Our deal was with Bank of Blaming America, not the Treasury Department. Bank of Blaming America should not have taken the money, if they did not want to come under the scrutiny of the public. As far as I am concerned, you are a Government employee, because your company has lived on welfare. The minute Bank of Shaking Down America accepted that 45 BILLION DOLLARS, we should have became entitled to a modification. However, if you have any evidence that suggest that it is the Treasury Departments fault, I invite you to produce it. I will be happy to post it

I am happy that you enjoy your job of listening to millions of Americans suffering, but I suggest you are not going to have that job in a few years, when 3-4 million lawsuits come against Bank of Blaming America. With that being said, I do not know why you are afraid to put your name on here. After all, you are actually SUPPORTING BAC HOME LOANS! Which by the way, what is Bac Home Loans? Another company that was potentially created so that Bank of Blaming America would not be accountable if sued. Bac Home Loans will simply claim bankruptcy, which is their right. It is also our right too…lol

Unfortunately, your decision to not be held accountable for what you say, would be consistent with our experience with Bank of Blaming America employees. Which incidentally, why is Bank of Blaming America allowed to record our calls, while some have suggested that we are not allow to record their calls? – click here

Even though you want the American Tax Payer to take equal responsibility, let the record show that there has only been one of us here that has actually benefited financially across the board. Which is Bank of Destroying America. If Bank of Blaming America does not want to come under the scrutiny of the public, I suggest they should have never taken the 45 BILLION DOLLAR BAILOUT FROM THE TAX PAYERS

BofA Employee stated: I cannot tell you how many people I have debt counseled that have stopped making payments on the home, but continue to pay the credit card companies or still make payments on the motor home or 3 cars that they have. It sickens me, but I think a lot of people look at the Making Homes Affordable program as a entitlement and a guarantee.

John Wright’s Answer:

Well maybe the fact that these people continue to pay their credit cards, car payments and other debt, might suggest that they are responsible people. It might clearly show that there is something wrong with how Bank of Blaming America has treated them during the modification process.

Entitled? Do you mean like how Bank of Abusing America felt in regards to the 45 BILLION dollar bailout they received? As far as I see it, Bank of Destroying America was still paying its bills, while feeling entitled to a bailout. However, why should it sicken you? You should just do your job and mind your own business

For the record, none of us in here has said that we are entitled to owning a home. We said we were entitled to a loan modification. There is a clear difference

The question here is not so much if Bank of Blaming America has the right to not give us a loan modification. The question is did they have the right to cause us injury? In retrospect, Bank of Abusing America may have the right to own the car, but they do not have the right to run people over with it, while causing injury. If you do the crime, you must do the time. In short, I feel Bank of Hurting Americans are responsible for causing us damage, while metaphorically, irresponsibly and carelessly driving their car into the American Taxpayer. Your process is simply abusive, and We The People will no longer stand for it! The age of accountability has come.

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BofA Employee Response dated 07/28/10: Notice when you call in you are advised of this cause legally you have to be notified. Bank of America’s policy is not to have calls recorded unless advised so. Media outlets are sent to a media hotline for recorded calls. Homeowners can record the call all they want, but they wont legally hold up unless they advise that they are recording the call, which once that happens they will be asked to stop recording. If the homeowner refuses, then the call must be disconnected. That is Bank of America policy. I mean if you don’t want Bank of America to not record the call, then you don’t have to call in, but you agree to the recording just by the fact you stay on the line.

People are being helped and perhaps one of them needs to start their own site to voice their opinion. Wouldn’t state that unless I’ve seen the accounts to prove it.

Also people have had the “ball dropped”, it happens and the issues are being corrected, which I wouldn’t state unless I’ve seen it. Yes it does happen though.

But I’ve also seen people that have been given a mod to stay in the home with a affordable payment and declined it because the interest rate was not floored to 2% or the principle wasn’t reduced. 1000 dollars reduction in payment in some cases and homeowner declines it.

I’ve seen it all John and I’ve heard it all, my opinion may not matter on here, but yours means just as much as mine does and I’m happy you at least posted my concerns.

I just hope you stop wishing that people lose their jobs, especially considering that over 2 million people in the US work for Bank of America. You are not the first nor the last homeowner to file suit against Bank of America and even with all the people on this site that complaining about Bank of America, to think 3-4 million people will file suit make you look crazy, which is my opinion.

Me with holding my name is really irrelevant, but if that’s another point you want to go off on then fine. I’m surely not an idiot and I do understand that my career at Bank of America is more important than this website, but I’ll let you trash me for that. For all sense and purposes, you can call me Leeroy Jenkins if it makes you feel better or if I needed to do that in the first place I should have to make you feel better, then again you would of probably played off that isn’t my real name and used that as ammunition. /pointless

Nowhere does it state that you are entitled to a modification either. That’s a fact. It’s offered to you, least there are some options out there, instead of the banks just not having any type of workout options and just foreclosing on everyone. Here is a shock, there are a ton of investors out there that don’t do modifications or participate in MHA and yes some of those investors are accounts that are serviced by Bank of America. http://www.makinghomeaffordable.gov has a great Q&A section in regards to that.

Good luck to you John. I do get salty from the things I see and hear, frankly it doesn’t affect me much at the end of the day, when I’m at work it’s all about trying to help the homeowner and I hope things work out for you and your fight in that regards, cause you should be doing anything within your means to keep your home. I think the public and a most homeowners don’t know what “modification” is. That’s something I advise homeowners all the time on. The market will recover. Property values will go up. Things will be fine. People will rebuild. Losing your home is not the end of the world, it’s all how you make it and what you do after words. Do you sit in the corner asking for pity, or do you dust yourself off and rebuild. Not many people are willing to start over but frankly that’s just life.

P.S. Before I go in regards to this statement:

THERE IS NOTHING IN THE AGREEMENT THAT STATES THAT WE HAVE TO CONTINUE PAYING TRIAL PAYMENTS TO QUALIFY FOR A MODIFICATION! NEITHER DID THE TREASURY DEPARTMENT REQUIRE A HOMEOWNER TO BE BEHIND TWO MONTHS IN PAYMENTS. This is completely made up by BANK OF BLAMING AMERICA.

First lets use common sense, the whole point is to make payments on your loan. Now if you stop making payments after 3 months, does that show that you can afford the modification or that your hardship is overcome if you stop after 3 months? Fine don’t make the trial payment, start making your original payment as agreed with the note if you want to get technical. I don’t agree with you John on that. If you didn’t think you needed to keep making the trial payment, then instead of making no payment you could of continued making your current, unmodified payment or kept making the trial payment.

In regards to the “I was told I had to be 2 months behind”. This is a favorite of mine as far as people that advise of this. John, you were advised in order to be eligible for Modification and depending on when you applied for MHA, that the account had to be 60 days past due or 2 months past due. Now when the program came out, the guidelines had not been ironed out regarding current homeowners so MHA was not offered at that time. But back to the 2 months. Lets first go into a modification and what the true intentions are with a modification. A modification is something that is offered to a homeowner who has overcome their hardship and needs help bringing their loan current… that being said, you need to have overcome your hardship. Our systems at Bank of America won’t give a recommendation for assistance if you haven’t unless your hardship is a illness/death/natural disaster, then a forbearance may come up. And yes our system asks “has the homeowner overcome their hardship?” Now with MHA the same can be said, you need to have the ability to pay a mortgage. Now when homeowners were 1 month behind asking for assistance, that assistance was not there because of this. Now here’s where people interpret what the qualifications are and what they have to do. People assumed, well then I will just stop making my payment to qualify, but since workout is not a guarantee, this a huge gamble. A lot of people were just getting by or were only one month behind, but chose to go that route and in some cases instead of trying to tough it out and catch up if there fortune turned. In some cases some people just stopped making payments all together even after 2 months. Nothing makes me feel more sorry for a homeowner, then one that advises they won’t make payments till there loan is modified cause 90% of the time they’ve sealed the fate for a decline. Why would a investor take a chance to modify a loan when you won’t even try to cure the delinquency yourself? Modifications and MHA are there to help people when they have recovered from there hardship, but depending on how much your income has been effected and how much you owe on the property, that may not be possible. No one put a gun down your throat John and told you to fall behind on your mortgage, that was a choice you ultimately made or that happened because of the hardship you were in, but realistically, I don’t know what your hardship was nor do I have your financial information in front me to review or what situation made you fall behind on your mortgage John. If you wanted your payment lowered or interest rate reduced or principle reduced and you couldn’t refinance so you purposely fell behind, then I have no remorse. Also most Modifications that are offered, except MHA, will actually raise your payment and in most cases the interest rate won’t be adjusted, just depends on the investor and what your finances can support.

Flame on

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John Wright’s Response on 07/28/10: No. Your opinion is not as good as mine. It sounds warm and fuzzy, but it is not true:) Only one of our opinions are based on the facts. The other is based on bullshit. For example, you state: “considering that over 2 million people in the US work for Bank of America.” However, according the end of this video below, it is more like 10,000 people work for Bank of America.

Forward video to 3:49

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Or we can go by wikipediawebpage that states it is 282,408 (June 2009) However, I do not see anything that states Bank of Abusing America has 2 million employees.

You also stated: ” instead of trying to tough it out and catch up if there fortune turned.”

Those are pretty big judgments’ coming from a company that did not “tough it out” and has taken a 45 BILLION DOLLAR BAILOUT….lol I think Bank of Tricking America and its employees are a bunch of hypocrites! If that is how you feel, this would explain one of the reasons people are not receiving their modifications. I say this because they have assholes like you “analyzing” eligibility. No disrespect, but I happen to be a pretty good judge of character Never the less, now Bank of Screwing Over America has the audacity to maybe use the interest they made off the Taxpayer to try and hang us with our own rope. You do not know every one’s situation, so why don’t you just shut up and mind your own business. They should give you a clipboard and have stand in the front of the line at a local branch, because that is about what you are qualified for. At any rate, Bank of Abusing America is the one who did not “tough it out” and has taken 45 Billion Dollars of our taxpayer money so they can make interest on it. Do you really think we are going to allow you or your welfare company to judge us? Bank of Tricking America has taken taxpayer money and Americans are here to take it back!

You also stated: “If the homeowner refuses, then the call must be disconnected. That is Bank of America policy. I mean if you don’t want Bank of America to not record the call, then you don’t have to call in, but you agree to the recording just by the fact you stay on the line.”

John Wright’s Response: This kind of arrogant response clearly substantiates our claims in regards to the arrogant customer service we have all complained about. It also establishes that you do not know what you are talking about. You really do think you are smarter than all of us don’t you?…lol

You stated: “think 3-4 million people will file suit make you look crazy, which is my opinion.”

John Wright’s Response: So now you are claiming that not only I do not know what I am talking about, but now you claim the Bank of Blaming America attorney does not know what he is talking about either…lol You are a funny one:) Well actually, I was quoting the Bank of Blaming America Attorney who stated that 3-4 million will file suit….lol So it must be in your opinion that you think the Bank of Destroying America attorney is crazy….lol See how that works? In your effort to sound smart………..you sound stupid, “which is my opinion.”

Why don’t you just admit to these people that you do not know what you are talking about? Basically, this is clearly another evidence that your opinion is not as good as mine. As well as it is further evidence that you have brought a knife to a gun fight. Which now I can understand why you would not want to give your name now….lol

So clearly, your opinion is once again not as good as mine:)

Please click here to read the BofA Attorney stating this fact at the top of page 4

I will respond to the rest of your bullshit when I have more time, but right now I have other things to do. You see, I am used to wasting my time with Bank of Blaming America Executives. Not gum smacking glorified phone operators for Bac Home Loans.

I will indulge you when I have nothing better to do.

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On 07/28/10 The BofA Employee Responds Again: Nope, I’m pretty happy with my response. Good luck with your lawsuit John and I only wish the best for you. I think this site proves who the arrogant one is anyways and I told you I wouldn’t argue with you, you asked and I answered.

Bharathi

Non-GSE investors guidelines is all dependent on your income level and you front end debt ratio. 31% rule is a basic eligibility, there are deeper guidelines and criteria’s that have to be met for non-GSE investors which is what you have. GSE investor is Fannie and Freddie that have a flat 31%, the rest, including BAC are NON-GSE loans eligibility with income over 10k would have to be under 42% for Principle/interest/taxes/insurance/association fees. Not going to open that can of worms, but if your payment is at 34% and your before tax income is over 5k I believe, it’s been a while since I’ve looked at the income level’s and percentage, so don’t quote me, you’re not going to qualify. MHA is not very friendly to people that have a lot of debt, deductions from pay checks or child support because of the before tax calculations that the government has set as guidelines.

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John Wright’s response 07/28/10:The only question I asked you was what should these people find more important than losing their homes? Yet I was not even really asking you, I was feeding it back to you so that you could see how out of touch you are with these peoples situations. Never the less, your claim that “I asked and you answered” is clearly misrepresenting your participation on this page. I have not asked you anything, because I do not really feel that you are qualified to answer any of the questions. I already know that Bank of Blaming America promoted a lot of the people who were answering phones to modification analysts. All you do is punch numbers into a computer. Which would make you a professional number pusher…lol I am not trying to be mean, I am simply telling you that I do not think you are qualified for this debate. Especially since I have clearly proven you wrong across the board. You had to have felt pretty stupid to find out that it was the Bank of Blaming America attorney who said there would be 3-4 million lawsuits. So why you would be happy about your response is beyond me.

You Stated: “Fine don’t make the trial payment, start making your original payment as agreed with the note if you want to get technical. I don’t agree with you John on that.”

John’s Response: Actually if you want to get technical, the original loan documents is one of the things I have brought a lawsuit against Bank of Blaming America for. So you can disagree with me all you want, a Federal Court Judge would not dismiss the case. So who cares if you agree or disagree with me? I never asked for your opinion. Why should I care what you think? I only care what a Judge or a jury of my peers thinks. I hate to tell you this, but nobody here really cares what you think. Neither did any of them really ask you what you thought. You came on the ULG site running your mouth and speaking down to all of us as if you were our authority. You are no longer my authority, so why don’t you keep your answers for someone who cares what you think.

You stated: “You are not the first nor the last homeowner to file suit against Bank of America and even with all the people on this site that complaining about Bank of America , to think 3-4 million people will file suit make you look crazy, which is my opinion.”

John Wright’s response: It is apparent that you do not know what case history means. You do not know what you are talking about again. If I win, it will be the first case history on the matter and will open the door to 3-4 million lawsuits IN THE BANK OF BLAMING AMERICA’S ATTORNEY’S WORDS!-(click here read page top of page 4)Therefore, your statement has clearly been unsubstantiated by the facts AGAIN. You really do not want to talk about that though. I know, I know…………you are pretty happy with your response…lol

No you do not wish the best for me. I think you already stated what you wished in the first comment where you said “. Instead of rallying around people like Mr. Wright who was having problems getting his loan modified, focus on the all the mortgagors we are helping and modifying.” That is what you wished for.

In conclusion, it is also important to mention that you should not be surprised at my arrogant response, when you arrogantly called me crazy. Sounds like you can dish it out, but you cannot take it.

I am John Wright and I AM FIGHTING BACK!

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July 30, 2010

John Wright’s Final Thought: Let the record show that the Bank of Blaming America Employee did not confront one of the issues that I proved them wrong on. Such as their incompetent statement about the 3-4 million potential lawsuits. Also, let the record show that the Bank of Blaming America Employee ran with their tail between their legs, when the heat got too hot in the kitchen.

You can run, but you cannot hide Bank of Blaming America Employee:) Well I guess you can hide, since you refused to give your name…..lol

Therefore, I have decided to leave this debate with one more response to what the Bank of Blaming America employee said.

Bank of Blaming America Employee Stated:
“I personally think there are a lot more important problems to worry about and all this process has shown is how irresponsible both the banks and homeowners are. We have soldiers dying overseas and yet I have had homeowners tell me that they rather be in a combat zone then deal with bank of America. I mean really, having come from a combat zone while deployed to Iraq in 2008 and have people I know injured and killed during my deployment, we are talking about small potatoes when you look at the current mortgage situation, but it just seems that you think that you are entitled to keep your home when you default.”

John Wright’s Response: Please allow me to attach the bottom youtube video of evidence of what Bank of Destroying America really might think of our soldiers returning from war:

I am John Wright and I AM FIGHTING BACK!

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Another employee named Joe wrote on 08/23/10:“They do lose paperwork, they do take long on purpose” – where is your proof of that and what makes you such an expert on it? Do you work for the bank? Do you have first hand knowledge of what is going on?

 

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John Wright Responded on 08/23/10: Actually, I do have proof. I have a recorded phone call with one of the BofA representatives admitting it, as well as there is a BofA employee who is willing to testify for me. Did you take the time to investigate your questions? Read the very first email under “United We Stand BofA” where the BofA employee clearly substantiates my claims. The other proof is right here: click

Well Joey, not only should you consider me an expert, but you should also consider everyone reading this article an expert now too. I hope by producing these recordings, I was able to answer your question. Do you have any more questions you would like me to answer?…lol

So that is makes me an expert. Now what does that make you?

Like the Holy Scriptures state: Mathew 7:18 - 17A good tree cannot bring forth evil fruit, neither can a corrupt tree bring forth good fruit.’ 19Every tree that bringeth not forth good fruit is hewn down, and cast into the fire. 20 Wherefore by their fruits ye shall know them.

My name is John Wright and I AM FIGHTING BACK!

December 21st, 2010

Well, in the end it looks like the Bank of Abusing America employees were either lying, or simply did not know what they were talking about.  This is because it appears that theCongressional Oversight Pannel agreed with me!  

Those of you who think you know it all, really annoy those of us who really do

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Piggybankblogger Michael Carrington wrote on 08/23/10:Joe, you sound like you work for Bank of Blaming America? Let me ask you a question, Are you the one that falsely reported me to the credit bureaus as being under a home loan modification? You see Joe, I called the bank to ask for a forbearance of 3 months not looking for a modification just a little grace. Well you said “No, you signed away that right in your mortgage.” I said that “I did not” and was immediately transferred to the loan modification department. After 15 minutes of talking about my finances and seeing where this was going I could see this was not for me. You see Joe I need my credit rating to employ in my industry and to maintain myself employment credit rating for my businesses. So I told you, Joe it was you right? “no, that I don’t qualify for this program.” Well Joe maybe you can tell all these fine folks why you turned around and reported to the credit bureaus that I was under a home loan modification. Joe this caused my credit score to dive downward more than 150 points. This was in February. I signed nothing with you Joe, and when I called and told you, it was you Joe right? you said you would fix it. Well Joe 7 months later you still have not removed that from my credit record. All my creditors now think I am a bad credit risk and not only did the creditors take all my credit limits but Bank of Defrauding America did the exact same thing. Joe, why did you do this to me? All I did was call to ask for help. I have lost the opportunity to land 3 great jobs and now myself employment businesses are ruined because you, Joe, took all my credit from me with your fraudulent report to the credit bureaus. Joe why did you do this to me? Now I am about to lose my home too. After 8 months I ran out of money and can’t earn anymore because you won’t remove the false report from the credit bureaus. John Wright is doing what he is doing because true Americans stand up to be counted when corruption rears its ugly head. Call me a liar Joe. You are a coward for doing to me what you did. Joe you ruined me. You see Joe if I was on your job and seeing this shit going on every day I would walk into the local FBI office and report a crime in process. What you did to me Joe is criminal. AND BY YOUR COMMENTS YOU DON’T CARE!! My name is Michael Carrington, my phone number is 800-822-4127 and I have a website too http://www.bankofamericascrewedmeover.com . We are fighting back. What you did to me is so like what you are doing to those seeking help. You are there to help not hurt. Joe did you do this to me???

 

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For the record, I use a lot of dramatic license in my blog.  Therefore, all persons talked about in my blog are to be considered innocent until proven guilty by a court of law.   This is a peaceful demonstration where dramatic license is used in an abstract way.  Please be advised that nothing in this protest is to be construed or defined as suggesting that there will be a consequence or penalty given if such protest does not produce a result.  There will be absolutely no consequence issued whatsoever.  Please contact me right away with any concerns that there is anything on my blog to suggest otherwise.

Nonviolent Protest Disclaimer

Tags: bac home loan mod complaint bank of america complaint youtubes BofA Home Affordable Modification Program