Bac Home Loan Letters
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The following are letters that I received during the modification process from Bank of America. You will see that Bank of Defrauding America contradicts itself between the letter dated Nov. 13, 2009 and the letter dated on January 23, 2010. It appeared that BofA wanted to cause delay, while stating that they had not received all the documents. However, by the second letter dated Jan. 23rd, they had probably realized that I had sent the documents certified and all the sudden comes up with another reason.
It is my belief that BofA officially disqualified me because I sued them! However, I am suing them because they sent me a letter before trying to extort money from me. They told me that if I did not give them the money, that I would be disqualified.
These letters below are not the only evidence that I have. It is just the two letters that my attorney has approved to go online.
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California prohibits telephone monitoring or recording, including the use of information obtained through interception unless all parties to the conversation consent (California Penal Code Sections 631 & 632). There is no statutory business telephone exception and the relevant case law all but excludes this possibility. California courts have recognized “implied” consent as being sufficient to satisfy the statute where one party has expressly agreed to the taping and the other continues the conversation after having been informed that the call is being recorded.
WHERE IS MY LOAN MODIFICATION BANK OF THREATENING AMERICA!?
The above authorized recording was done on February 2nd, 2010. This is the actual BofA employee andthe department that sends out the “Congratulations letter.” Talk about right out of the horses mouth! Or should I say piggy? Notice that she states that a “congratulations letter” had been sent out. This would be clear evidence that I indeed told that I was approved. As well as the operator tells me not to pay anymore payments until I have received the package. She also admits that the letter requesting 3 more months was an “error” and to disregard it.
The above authorized recording was done on February 16th, 2010. Notice how the operator states that:
- I was approved
- That he could see that I was honest
- That he could tell by the notes that it was not my fault
- That it can not be more than a three months trial period
- That Bank of Blaming America can not disqualify me if I did not make the additional three more months of payments.
- That he has never seen them give someone such a hard time as me before.
- That they can not disqualify me because I complied by making the required payments.
It is my belief that BofA officially disqualified me because I sued them! However, I am suing them because they sent me a letter before trying to extort money from me. They told me that if I did not give them the money, that I would be disqualified.
I invite you to read my disqualification letter dated March 21, 2010 at Bac Home Letters and compare it to the conversation you hear on the above recordings. It is simple really… they either made a mistake in disqualifying me, or they set me up on the phone so that they could disqualify me and potentially steal my home.
Do you all remember them saying we “encourage” you to continue making your trial payments when you called them? Notice they did not say the word “require.” This is because I think they knew they were walking on a thin line and would be crossing it if they said that they required us to pay beyond the three months. Proof is in the pudding though… or should I say proof is in the recording. 
The authorized phone recorded conversation above was recorded in March. This lady actually will read every single thing on her computer to me. Notice that she verifies that I have been sent a “congratulation letter.” Notice that they do not mention any missing paperwork.
The Above Youtube: This evidence establishes that Bank of Abusing America potentially uses irregular, fraudulent and simply abusive business tactics. I must have argued for over 10 minutes with the Bank of Abusing America representative before I spoke to manager. The manager was also saying the same thing, until he realized he gave me permission to record.
All these recordings were released on the heals of smoking gun evidence that suggests that Bank of Abusing Americans might have planned, trained and encouraged employees to delay our appications for a modification. us in a piggybankblog.com article by clicking on link below.
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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.
Video Broadcast
14 Comments
Hi John…I just want you to know that if your attorney would like a witness to the fact that the constant lying by this bank is a pattern and not an exception I am there for you.
I have similar letters telling me different “facts” as well.
I am told by a HUD rep that they are misapplying the gov’t guidelines for these modification programs which are intended to keep people in their homes and not to add to B of A’s property portfolio.
I applaud your efforts and am looking into a lawsuit as well.
I just found your website and perusing the letters they look like mine! I tried to email you but it just opens up a mail program on my computer I do not use. Please email me, I am interested in trying to find out more. I don’t want to lose my home, but fear they are stealing it right out from under me……ritters5@sbcglobal.net
wow! i have been dealing with the same thing since 2008. I was solicited a loan modification through mail to reduce my interest rate for my home. i always made my pymnts on time with no problems. i applied for the loan modification and was advised through mail that i can start making payments of the new rate while the application was pending because all the information i provided had to be verified. one year later, i was told that i owed 6000.00 in past due pymnts even though i didnt miss a paymnt till date. The claimed that my modification application was denied because they received all the documents i sent via FedEx except for my proof of income. keep in mind, all documents including my proof of income were all sent in the same FedEx envelope. they also advised me that i “still” qualified for modification based on my income reported and what they can do is take another application and i can keep paying @ the same rate while its pending verification. I applied again and provided all the same info requested including the proof of income. one year late, same thing…declined because they “didn’t” receive proof of income again….this time, i owed 12000.00. Thats when i knew it was a scam. John, is there a class action suit in the works anywhere or is it something your attorney may consider?
Actually, I have been told that there is one in SF. Right now my lawsuit is actually too new that it has not become a class action yet. We are hoping for that though. I will post the SF one in my blog after I receive more info on it and I will send a mass email about it to all of you.
Thank you for taking the time to leave me a comment
My name is John Wright and I AM FIGHTING BACK!
Hey John,
I have been dealing with BOFA holes for 2 years now got my loan mod and they sent the paper work to me 90days late the mod was dated july and the cover letter oct they had mistakes in the offer like they where my lender and they are not, also they had or new payment at $300 more then are trail payment and set at 41% of our monthly gross income.
well i studied law and i sent then all the guide lines and i also contacted my state senators both of them are on it i got a phone call from one and a letter from the other telling me she is forwarding my case over to the comptroller of the currency. i have gotten two phone calls from someone from bank of aholes but the line is so bad i can not hear the messages she leaves. i am with you and i will keep you informed to what is going on also i had three HUD Hope counselors and the first two just poof gone no longer working for the company i do not know what happened to them they where working real hard for me the new guy i have is a dumbass so i am going local and doing most of this on my own i state the law better then most if not all the hope ppl i have talked to since i keep up with all the updates to the law and guidelines the banks must follow.
After having our business almost destroyed by a road construction project that was supposed to take 4 weeks and took 3 months I called BOA in November of 2009 asking for a loan modification due to our circumstances. They told me if we had credit card debt they would not consider us. Told them I had credit card debt paying bills for the business so I could pay the mortgage. They sent paperwork along with a payment plan that INCREASED the monthly payment close to $500. I call them and ask WHAT THE HELL???? We tell them in January forget this crap we’ll continue making payments. If they are late, then they are late. I go online at the end of January to make the Jan 1 payment and cannot access the account. I call them. They tell me account in limbo because of modification crap. They take a payment over the phone. A week later I see no sweep on the checking account. I call them. They tell me no record of my confirmation number you have to do it all over again. I ask are you sure?? They say yes. Then within 2 days they sweep our account for 2 payments. I call up say give me my money back. We can’t fix that fast. I’m saying I’m going to bounce checks that were written. They say Can you borrow money from someone??? I wind up emailing a manager with all our bank info, etc to prove they took twice. I call and call and call, nothing. End of February these a holes are calling for the Sept payment. I ask where the hell is my money. Oh, we can’t release it back to you. Then put in on the February payment you jerk!!!!!
They keep sending modification crap via FED EX. I finally mail them a letter in their FED EX return envelope stating we DO NOT want the modification. I find out in March that they paid our town and county taxes. We’re like what the hell are you doing. Then comes June and I go to pay my monthly start of the homeowners to find out they paid that too. Sept 4 we get letter of “INTENT TO ACCELERATE” of these idiots saying we owe them late charges and interest from the modification and the taxes they paid. I have been calling non-stop since. One rep pulls up the notes on our account and he is in disbelief of what is going on. Gives it to a manager who never calls me back. I last speak to a manager Oct 5 and then the escrow account ( since I beat them to the school taxes by paying before they did) who both tell me they’re straightening out the mess and will call me back. No calls. Then I get an offer to lower the interest rate to 6.75%, they add $5,500 on the principal (which I do not owe them) and then add escrow which makes the payment lower by $200 of what I have been paying but then makes the payment $500 higher because of the escrow. 2 days ago I get another letter of intent to accelerate.
Anybody have a damn good lawyer who can practice in New York I can use?
Hi John,
We have experienced the same exact trajedy with
Bank Robbers of America. Ours started in Dec. 2009.
At first it seemed promising. We’re approved for the HAMP. Right away, we began paying the reduced
mortgage rate, with the assurance we would recieve
our trail package agreement. Wow Geat!!!! The first
set of problems were, that they kept losing all our documents. We faxed them countless times. Then
call the verify reciept, which was met with call back in 2 weeks. Then in march we received the 3 month trial
package. Ok, so, you would assume that things are
going better. In the mean time, we recieve letters from
Bank Robbers of America, much like yours and everytime we call. We are met with utter confusion.
It appeared we were under two mortgage programs-
HAMP and the Bank Robbers of America -In House
Modification. Paying our mortgage took anywhere from
45 minutes to an 1 1/2 hours. We were told to not worry about the letters, they would be resolved once
we sign the official documents, that should arrive prior
to the end of the trail period. But call back in two weeks to see where we are in the process. 2 weeks before our trial period ended we called and Bank Robbers of America said we should recieve the Official
documentation in two weeks. Wow were getting there.
No, No, No, not quite so fast! What we recieved was
a denial letter, stating that we were uneligible for HAMP
based on our income. They had doubled our income!
Must be an accident, has to be! I call immediately and
am told I have to file an appeal! I file the appeal, they
tell me call back in two weeks, to see where you are in the process. I call back and they say it is under review,
call back in two weeks. August 1, of 2010 they would not accept our mortgage payment. Mind you, we have been paying the new mortgage rate since January, haven’t missed a payment. There is no reflection of those payments on any statements we have received and now we are being reviewed for foreclosure. There’s more, we received yet another Fed-X from
Bank Robbers of America, yes we did! Bank Robbers of
America sent us a “In House Modification” This was of
no help to us and it was declined. We would still be paying out 50% of our income. We called the goverment Hotline—HOPE The counselor reviewed our
situation and said yes we do quaily for the HAMP, we
told him about the error that Bank Robbers of America
had made with our income and then proceeded to call Bank Robbers of America together! Wow Finally some
help! He asked the same old questions that we had, even about the error in the income amount. Bank Robbers of America said that we had never appealed that. I faxed that Appeal paper work 20 times that day.
We were told that The Bank Robbers of America Rep was referring the matter to her supervisor and to call back in two week! In the meantime, we FED-X a new
HAMP application with all updated info as per HOPE.
WE did call back in two weeks. Guess what they can’t find our FED-X. Not surprising!!!!!What is with this two weeks bullshit!!!!!
No resolve with the Hope Counseling and it appears they are in line with the practices of Bank Robbers of America! We are back at square one! Bank Robbers of America is quite transparent in their tactics of bait and switch and our federal agencies have done nothing to help American tax payers. It is evident in the vast amount of people losing their homes today. Notice the quickness to which they foreclose. I am fighting this to the bitter end and I have kept Bank Robbers of Americas paper trail and then some. I have lost total faith in our goverment and I don’t believe help will come from them. If we don’t start making a difference, then we all will lose. If we don’t make a stand and mass
together we will all lose our American Dream. Sign me up for any class action lawsuit! I don’t want money I just want to keep my house. Like I said I WILL FIGHT TO THE BITTER END! As for you Bank Robbers of America, GO STRAIGHT TO HELL!
Maria Tsikurios
I feel for you. I was able to get online and look at my account after a year of not being able to. I have an escalation letter dated Dec 11th demanding $2163.76. When I went online it states Payment amount due
12/16/2010
Late charge date
$1,268.68
Are you kidding me BofA? Is this some kind of joke? I dont think it is funny at all. I will be happy to pay the $1,263.68 but, then are you going to continue foreclosure on Jan5th? This is a freaking nightmare….My health has been compromised over this year and the abuse is beyond what I can bare. Colorado needs to get online with holding them accountable through a massive investigation..
Well we got a letter from bank of Assholes saying our MHA Loan modifaction was canceled because we told then on 11/22/2010 that we was not going to sign it.
BULLSHIT i was out of town that day it was thanksgiving week also i faxed then a letter with the laws and guidelines they must follow for the MHA loan Mod i even went to Bank of Assholes home loans and faxed it and in the letter it stated “WE WANT TO SIGN THE LOAN MODIFICATION BUT WE HAVE BE ADVISED NOT TO BY OUR HOPE COUNSELOR AND OUR LAWYER NOT TO TILL THE ERRORS ARE CORRECTED.” I do not know what in the hell they are thinking to tell you the truth i think all this MHA loan modification stuff is a scam it was put in effect to help out the rich people and to keep the housing market from hitting rock bottom.
i have not giving up i have got added to a class action law suite here in Washington state. but that can take up to 10 years.
so right now i am dealing with my health living on disability my wife is working her self to death and we have lost all of our retirement except for our house well as of now we have not lost it but once we do we will have nothing.
I got a letter like yours stating that I didn’t make
the 3 payments so my mod was denied but now they
said they wiil put me again on the trial period
I have been on the trial period since october of
last year .When i started the trial period i only was back 5 months . Now I am 11 months ,I should had
continue paying the full amount. but they put me in this program and iam only follywing the rules
I will go along with you and suit
I am one of the few who was approved for the HAMP program but it still took twice the amount of time for them to approve us (six months instead of three because they kept losing the papers – which I later found out they weren’t actually lost but that the person doing the underwriting didn’t know how to read the documents so I had to hold his hand over the phone and spell it out over email to make sure that we could eventually get a decision) and when we finally received the papers, it was a third of the way through the month and I had already sent out the payment. That should not have been an issue, but the new payment due was almost 200 dollars more than the trial payment and it was due June 1st (we received it and had it notarized on the 8th since it was due on the 15th and the banks are almost always closed by the time my husband gets home from work for us to get a notary that wasn’t associated with BOA). I called in every month after the modification approval to see where we were at because each billing statement suggested that we were behind on our payments. We have never missed a payment and so to be told that we were behind on payments was a shock!! When I would call in, the representative would assure us that we were on time with our payments but that the payments due were no more than the trial payments and all of this would be cleared when the underwriting was done (gosh, I hope it wasn’t the same moron from before but that would explain why it took another three-ish months for that to take place – from June-ish to September). I chose not to believe them since I’ve seen this bait and switch game with BOA a little too often lately and need a home to call my own since my husband and I have four children, one of which was under a year old at the time. I’ve continued to make the post approval payments but now it’s saying that our escrow account is below the level that it’s at and that the only way to bring it up to date is, apparently, by paying an extra almost 400 dollars. I’ve begun calling in for that and one of the reps asked if I wanted a hardcopy of our escrow account after telling me that her computer said that our escrow was actually almost that much over what was needed for the base amount (What?). I told her that I was indeed interested and was excited to get it in the mail. Upon receiving it, it’s difficult to make hide or hair of it and the thing reads as if you’re always late on something and having to make catch up payments. WHAT? Sometimes I wonder if we should have just sucked it up and never entered into the HAMP program as it seems to have dragged our credit rating down. We might not have been able to loosen our financial belts that much, but our credit scores wouldn’t be as far down.
Beyond that, we also took part in the “Where’s the Note” campaign and sent an email to BOA requesting the “note” to our home. In two to three weeks, we received a MERS printout of not only this home, but another home that we had refinanced at the same time we bought this one that was never a part of BOA or Countrywide (the bank that bought the home from the bank that we had signed with). They had attached a cover letter saying that we had no legal authority to request the note (because, apparently, none exists – way to go US government!! – way to protect the taxpayer and the homeower!) and so they would not be sending us the “note” but that if we found the authority to do so, to please contact them again. I figured that was the end of it. Is there ever an end when it comes to dealing with BOA? Two to three weeks after we received that little lump of “goodness”, we received another letter from BOA saying that our “concerns” had been forwarded to another department for further review and that while they had been investigating our “case”, they had put our credit on hold which had then had the effect of leaving a negative mark on our scores. For asking for the note? Is this legal? I didn’t think retaliation, whether from an individual or a corporation, was legal!! The letter went on to state that they would not remove the negative mark but had lifted the credit freeze. *sigh*
So I guess we’re one of the “lucky ones”. I’m not sure if anyone is really all that lucky right now where the mortgage companies are involved. It’s a shame that large banks aren’t held up to the same standards as the people they service.
My wife and I are on our way to bankruptcy court over Bank of America’s stonewalling tactics. All of your stories sound so familiar. We need more information, we never recieved what we need to process your request, we’ll let you know what we can do… for months and months… It is utter bullshit and I hope they all burn in hell for it!!!
Bank of america is the greatest scam in america! I would love to know how to get in on a lawsuit with these clowns. I think a monkey could do their job better! I had a mod in Dec 2009 then 3/2010 they send a letter to me stating that because the notary seal was an embossed notary seal not an ink stamp notary seal to which we had never heard of they are denying us the modification that they gave us. Read my blog to know everything that has gone on its been a NIGHTMARE!
I’ve been fighting with BOA since November regarding my loan but my situation is just a bit different. The loan originated with Countrywide in 2000. In 2002 my mother added me to the mortgage under a simple assumption. No problems at all until BOA took over. May 2010 I get a letter saying we requested making me (co Borrower) the primary borrower. We were happy with the loan just the way it was so I never mailed in the letter. Then in December 2010 BOA just drops my name from the mortgage and removes the mortgage from my online accounts. The local bank and someone in customer service puts my name back on the loan on two different occasions and BOA takes it off again telling me to prove I was added to the loan back in 2002. Well, Countrywide had me do a quit claim deed and pay $100 simple assumption fee. There was no “official” document issued so there was nothing I could produce other than the cancelled check which, of course, I cannot get access to because it was 8 years old. Anyhow, countless phone calls and faxes later, they went from “Yes we have copies of the documentation in our SRM system” to “There’s no documentation on file at all.” Suddenly they can’t find where I reaffirmed the debt in a bankruptcy or the quit claim deed or anything else the bank or myself faxed over to the simple assumption dept. They have trashed my credit rating by removing the mortgage from my credit report after I filed bankruptcy, stolen my equity in the house and effected my health (the stress of dealing with these idiots is unbearable). 40 pages of documentation later, they tell me speed is of the essence because my loan is due to be serviced by Bank of America NA and I’ll have to go thru all of this again on July 1st!!!!! In this process I get these fedEx packages thanking me for requesting a home loan mod and to send the following documentation. Neither of us requested a home loan mod just like neither of us asked to have the names changed on the loan. Surely it can’t be legal to just delete a persons name from a mortgage after them paying on it for 10 years. My mother is near her end of life and my name was put on the house so I wouldn’t have to worry about a place to live for me and my son. Now I have to worry that if she is put in a Medicaid nursing home they will take the house from me leaving me and my son homeless. I live on about $600 a month. I can’t get qualified for spit let alone a mortgage!!! Can they really do this?