Friday, January 11, 2013

Our Bank Of America Nightmare

I know this is a happy place. I only post positive, creative, happy things here. But I have a story to tell because I am ANGRY. After 3 years of torture, I cant take it anymore, and I will focus my time on getting my story out there before it is to late. This letter is going out to every single influential person or entity I can think of. Somehow, I want justice....

Personal Message:
After 3 years of no action, and our credit ruined. I am taking my story worldwide until something is done. 

Back in 2009, my Mortgage with Countrywide was transferred to Bank of America (BOA) , and that is when our BOA nightmare began. We have owned our current home since 2003 which was the year construction was completed. My husband and I have been homeowners and have been paying a mortgage payment since 1988 and have always been covered with homeowners insurance. We have NEVER missed a payment, never lapsed on a payment, never took advantage of the “skip a payment” option offered, never received any kind of assistance to help us with payments. We have always met our financial obligations. One month, I received my mortgage statement in the mail, and it was more than my regular payment of $1055.21. I could not understand and thought it to be a mistake and called Bank of America to find out why my payment had increased. I was given a song and a dance about the amount needed to cover my escrow account. I proceeded to inform them that I did not have an escrow account with Bank of America. I got nowhere with the representative. So I sent my normal amount of 1055.21. The following month, I received my next statement with a different amount even more than the last statement, PLUS late charges. I called Bank of America again, explaining to them that we had a fixed rate, 30 year mortgage. There is no way that my payment should increase, after some searching, the representative told me the money added to my payment was part of funds placed into an escrow account that Bank Of America created to cover the Lenders Placed Homeowners insurance they imposed on our home. We explained to them that we had Homeowners insurance and our premiums were paid through Statefarm. I called Statefarm, and they confirmed they had given the bank a Declarations Page for the Insurance, as we had as well. Like we did every year since homeownership. The representative said that because they had no proof of insurance Re: A declarations page ( Did Countrywide neglect to transfer over that vital part of information when BOA took over our loan??) that BOA just went ahead and imposed the insurance on our home. I never received any information prior to this about Lenders placed Homeowners insurance, and I didn’t get any letters or phone calls explaining why they did his without letting us know. And I never received notification that they didn’t have that information prior to imposing their own insurance on our home. As far as I was concerned, because nothing had changed with my State Farm Homeowners insurance, there was no need to do anything different. Then the harassing phone calls began. Phone calls from Bank of America Collections department trying to collect the money that they said I was delinquent on. In the meantime, I continued to pay my scheduled monthly payment of 1055.21. I would make them every month and on time. I made numerous phone calls and each and every time I spoke to a representative, I was transferred to another one. It was always a different department. We hoped they could clear up why the debt collection department was calling us and make it right. Instead, we were back to dealing with whatever nameless, faceless BofA customer rep happened to take our call, who in turn would bounce us around to countless other reps in countless other departments, each time having to retell our story, until, a few hours later, we were ‘accidentally’ disconnected, or we parted with no resolution. They could not give us names, phone numbers or emails of anyone to whom we could speak directly about our problem. The right didn’t know what the left was doing. Then I was told they could not speak to me because I wasn’t authorized being that my name is not on the loan. I had to fax confirmation from my husband allowing them to speak to me. I faxed the confirmation. Over and over and over again.The harassing phone calls continued throughout the day and evening. Sometimes as many as 12 phone calls a day. Each and every representative refused to help me stating there was nothing they could do about it, or they would transfer me to a different department and I would have to repeat my story again and again and again. Most of them gave me the same number to call over and over. The number always took me back to the collections department. So many times the call ended abruptly either through disconnection, or a representative that just didn’t want to be bothered. Some were downright rude. Still the harassing phone calls continued. And these phone calls were coming from India…Really??? There was always a foreigner on the phone trying to “extort” money from us. I finally got a representative who said if I sent them the Declarations page for my Homeowner’s Insurance from State Farm, that they would be able to fix the problem. So I faxed over the Declarations Page proving that I had insurance. She said it would take about 48 hours to process. I waited to hear back from them…Nothing. We received more continuing harassing phone calls and more statements with increased amounts including mounting late charges. I called again. This time I went to Statefarm. Had them investigate the last 4 years of statements and payments, proved that I had NEVER lapsed on Homeowners insurance and proceeded to call Bank Of America once again. This time I had Statefarm call bank of America with the information. State farm faxed over the information that Bank of America asked for. (State farm also faxed me the same information they faxed to BOA) A couple of weeks passed and the harassing phone calls continued. The statements never changed and now we were getting letters threatening foreclosure proceedings if we didn’t bring our account up to date. We would also get packages from FedEx that I would have to sign for from Bank of America containing application for Loan Modification. What for??? We pay our loan payments on time. Why would I need loan modification? By this time almost a year had passed since the problem started. All I got was empty promises from Bank of America that the problem would be rectified. One day, a woman appeared at our home. She was walking around the house with a clipboard in her hand. My husband went out and asked her who she was and what she wanted. She wanted to know if the homeowners still resided in the residence. My husband was dumbfounded. He explained that he was the homeowner and yes he still lived there. She proceeded to tell him who she was and explained she was sent to the house from Bank of America. They wondered if the house was abandoned. My husband told her to get off of the property or he would call the police. She left. I called the bank and never got an answer as to who this woman was just that it is their policy when they need to see the condition of the home or whether or not it has been abandoned. Now we were in shock and feeling totally helpless. When I called Bank of America to find out if they received the Declarations page from Statefarm, they said they could not rectify the matter because the page was from the wrong year. I went back to Statefarm and told them what happened. They contacted BOA and sent them the last 4 years Declarations pages proving that we always had insurance. And the information was ALWAYS forwarded to our Mortgage servicers. BOA apologized and explained to us since the take over there must have been a “glitch” in the system and the insurance information was either lost, not carried over, or sitting in a different department that had not crossed the information over. A glitch in the system was the representative’s exact words. Once again there were promises that the problem would be rectified. But they weren’t. By this time, I had spent countless hours on the phone, taken days off of work to deal with the problem and suffered many sleepless nights dealing with the situation. All the while feeling helpless against one of the biggest corporations in the world and getting nowhere fast. BOA appeared untouchable. My husband’s credit was ruined and the stress this mess has caused just kept getting worse. Sleepless nights, heart palpitations, headaches, stomach problems and anxiety had taken over. I cried more than anyone should have over this awful situation. Over a year had passed and we were in limbo. On the advice of an attorney, he informed us that it was illegal to call so many times in a day, I wrote a letter to BOA and the 12 -15 calls a day dropped to about 2-3 a day. This was a small improvement. But the statements still reflected the amount due and kept accumulating late charges along with the amount due for the ridiculously high amount of BOA’s Lenders Placed Insurance. I made phone call after phone call, talked to one representative after another to try and resolve the problem. Each one saw the problem, and either tried to help or passed it on to someone else. I had to deal with one department after the other, and in more cases than not, the department they transferred me to was the same department to make a payment to bring my account up to date. 75% of the transferred phone calls were to the collections department. Some of the representatives sounded like they were sincere in wanting to help us. Other representatives were cold and nasty in their response to me over the situation. I got answers like “pay your fees and late charges and your problems will be resolved”. Or “We can’t do anything for you until you meet your financial obligations with BOA”. Or Sorry, there is nothing we can do as this is a system error”…WHAT??? Then there were the returned checks. BOA issued us a check a few times because they could not accept partial payment. I would send in my $1055.21 payment on time every month , BOA would state I owed more and take some of the money and send me back a check (refunding my mortgage payment)with a letter stating that they do not accept partial payments so they refunded my mortgage payment minus some money.. We NEVER cashed these checks. I continued to make my regular scheduled mortgage payments on time. Every month…Every time… Finally after almost 2 years, a representative said she investigated the problem and would be able to help us. Her name was Betty. After months, the lenders placed insurance was removed as were some of the other charges. All except around $245.00. I was told I would have to contact another department to have it refunded because it came out of another department. . I contacted the department and they said they would take care of it. Here we go again. Department after department kept transferring me from one to another. The letters continued that I was behind on my mortgage and the late charges are still mounting. Once again, no one is able to help us rectify this situation. I was at my wits end at one time not too long ago and contacted BOA through their online banking service and threatened to go to the St. Petersburg Times in Tampa (our local newspaper) and expose BOA for everything they have put us through in the last 2 years. That is when I got a phone call from a woman named Angel Baker who said she was from the BOA Office of the CEO and Presidents Executive Customer Relations. She apologized for the mess that BOA has caused and she would do everything she could in her power to help straighten out the mess. She left her number and extension number if there were any problems. 877 498-7226 ext: 2796. In her follow up phone call because it was a weekend, she would follow up with me the following week. In that follow up phone call she said the problem would be resolved but to give it time for all parties involved to fix the account. Last month, when I tried to call Angel Baker at the number she gave me, when I dialed the extension, I got a recording that the number no longer existed……And there were no options to speak to anyone else. I truly believed the problem would finally be resolved…We were sadly mistaken… Once again, we started receiving phone calls and letters stating that we were now 1 month behind on our mortgage. And when we told them we paid, BOA stated that our current payment was taken for the month before. No one was able to tell us when the payment was missed. 2 weeks ago, a man came to the house, placed a note on the door, my husband asked where he was from and he told my husband to call the number on the paper. We called the number on the paper and got nowhere. All we got was a recording that it was a debt collector from BOA, and only offered options, to make a payment. Finally on November 13, 2012 we were persistent and called the number again this time going through all of the motions until we were able to speak to a live representative. The representative went through the payment history and found that we were 1 month behind on our mortgage which we were still in foreclosure proceedings since 2010. She took her time going through the history from 2009, but became very confused as to where the problem started, she was able to see dates where it looks like the account reflected different reversal payments, and still could not find where the problem started. Only that we were a month behind. When we explained our situation and told her that we had contacted an attorney to assist us because we had been unable to have the problem resolved after almost 3 years, she told us that because of getting an attorney involved, that she would have to transfer us to a supervisor. The supervisor Aron Alvarado listened to our story researched the payment history and after about 30 minutes told us that he found out what the problem was. One of our mortgage payments had been applied to an escrow account BOA created for lenders placed homeowners insurance they took out on our property, and even after proof that we always maintained our own, and BOA’s insurance was removed, that mortgage payment was never applied back to our payment history. It just sat in escrow. He offered to rectify the situation and said we would have to call a different department, and then offered to call it for us. He then said he would have to research and call the department, it would take him about 30 minutes and he would call us back. But he would be able to have everything reversed and it would take about 48 hours before we would see the change in our statements. We left him 2 contact numbers, our home phone and a cell phone. He never got back to us. He never returned our phone calls. And the problem was never resolved. Over the course of the 2+ years, BOA could never find a faxed letter of authorization to allow me to speak to a representative. Another frustrating situation as I am the one who takes care of the household finances and record keeping. We believe a serious injustice has been committed against us as homeowners. We have been in a BOA nightmare since 2010. The worry, that one day we would come home from work and there would be a notice to evict on our door. The worry that after 34 years of hard work to maintain home ownership, that it would be taken away from us in the blink of an eye because of a “glitch” in the system. The sleepless nights, the times taken off from work to spend making phone calls, the countless letters, emails, the worry, the anxiety. I have recently cut my hours at my job, because I can’t handle the stress anymore. This nightmare has taken a toll on my health. This is when we finally decided that we could not let this go. That BOA was going to compensate us for all of the problems they have caused us and our family, so this will NEVER happen to anyone else, ever again. We want to finally awake from this nightmare, and be able to move on with our lives in peace, without the worry of not having a roof above our heads. Now the new nightmare begins. BOA has transferred our mortgage to Residential Credit Solutions. Inc…I have been investigating to find out what kind of company this is, and I read these words… “RCS is a Fort Worth financial services company that describes itself as expert "on credit-sensitive residential loans" -- which means at-risk loans or those slipping into foreclosure.RCS says it buys troubled loans, many of them subprime, and works to help owners keep their homes. Foreclosure, a company spokesman once told me, is the last resort.But that's not what a customer and hundreds of other RCS customers say. They claim in complaints on consumer websites, with government agencies and with The Watchdog that the company is a foreclosure mill where employees purposely delay responses to customers' concerns to make it difficult for owners to keep their houses.” On January 3, I called Residential credit Solutions because I got a letter stating my December payment was not received. I explained to them that the December payment was made to BOA as instructed by them and the next payment in January was to be paid to RCS. I did an online payment to RCS today January 3, 2013 for my January payment. RCS states that I owe them Dec and Jan. RCS told me it does not have the full payment history from BOA as of yet. I explained to them the history behind this missing payment, and it is now assumed that BOA did not rectify the situation, probably applying my payment to the “missing” payment therefore reflecting I was 2 months behind on my mortgage. BOA basically transferred a “bad” loan and is now making it RCS’s problem. We are not amused as I am hearing a lot of negative press about how quickly RSC forecloses on customers. Now we are really scared. What has BOA done to us? We have a spotless payment history. Law abiding citizens. Would never do anything to cause anyone problems. Now BOA won’t even talk to us. And we are being harassed by RCS for money that we don’t even owe. BOA transferred our mortgage that they screwed up, promised to fix, never did and And now we probably have to pay for an attorney to get out of a situation BOA placed us in because of a “Glitch” in their system. I want BOA held accountable for all of the stress and heartache they have caused us. This is our life!! I am looking for someone who will help us. We want our story told. We want FRONT PAGE NEWS!!! I am at a loss for words…and desperate to find a solution to end this nightmare… Regards, Lisa Nazario-Gregory

33 comments:

DebraK said...

I would keep your attorney involved and have him send a certified letter with all documents included for proof. BOA was recently in the news re: a $43.5 BILLION payout for bad mortgages. We recently did a refi on our primary mortgage from BOA to Grow Financial--am I ever glad we did! We did not have any problems with BOA but considering the Jan 7th news, we're glad we got out. I hope there is some legal action you can take against them for all your suffering and anguish. We received a letter from BOA from one of our rental props recently re: insurance and I have pretty much been ignoring it because that load is escrowed. Reading your horror story, I better get the documentation out and start addressing it. Good credit is like gold, and when someone touches my gold, well, it ain't pretty! I think we will get our attorney involved immediately and hopefully avoid your nightmare... good luck and keep us posted. I would also get a copy of your credit report and dispute any BOA wrong doings. I really feel for you... keep your chin up...

Erin K said...

Wow! This is so scary! I use BOA too and that makes it even scarier. I hope you make the media picks up this story and holds BOA accountable. Can you take BOA to court for mishandling your account? I know it would be costly, but I'd want to see them take accountablity.

L. Akins said...

I'm sorry that you are going through this. But the same actually occurred with my home when I had a country wide mortgage sold to bank of america. Then I find out my stuff has been resold to some funny company too. I am still dealing with lawyers etc and this is my third year also. I finally had to let Go and give it God just to get the mental peace I needed. Nothing material was worth my children losing their mom to stress.

Jessy@FairytaleFrosting said...

Oh. My. God. You poor poor thing! I cannot believe this has been happening to you and your family. I truly hope that you get this straightened out AND get some kind of compensation for this nightmare. I wish I knew how to help you. All I can say is I am sending positive vibes your way and hope for a resolution fast! Wow.

Norma Gomez said...

I'm so sorry you and your family are going through such a horrible nightmare. Sending hugs and blessings your way.

Jennifer said...

I am a professional real estate agent. I never never never refer my clients to BOA or Country Wide. That lady that appeared on your property with a clip board. I can tell you exactly who she was and what she was doing. She was probably a realtor as well. Mortgage lenders hire assest mananagement companies to assist in forclosure proceedings. The management companies hire realtors and pay them a fee to a CMA (competitive market analysis on the property in question. The agent must come up with a fair market value and list any repairs needed to the property and the agent gets paid a modest fee for doing this. This practice is most common in "pre-forclosure" situations. The agent is NOT to approach the home owners, but to decretely take photos of the house and mail boxes for address verification and street views of the neighborhood. Then they go and find comps and do their report. That is probably who that lady was.

I wish you the best and I would think you can sue BOA for the suffering and damage to your credit.

Paula-Scrap Addict said...

you are the second person I know that has had this EXACT PROBLEM with BOA! how horrible I feel for you & your husband. I'll keep you in my thoughts & prayers that this gets cleaned up quickly (that would be a relative term at this point) and to your satisfaction.

newfiecrafter(Marilyn) said...

So sorry to read of all your problems with BOA and hope you get it all resolved . They should be held accountable for all the stress they have put you through . Did you ever think of going on 60 minutes to air your story ? So glad we don't have this going on with our banks in Canada.

Shirley said...

I am so sorry to hear what has been happening to you. Its a nightmare!!!!! I hope you can find a way out soon. I live in the UK so no practical help to offer but sending positive vibes over the water.

Shirley said...
This comment has been removed by the author.
zandra said...

So sorry, Lisa, what a nightmare! We have something here on channel 7 I think that they take care of problems like that. Check with you local tv station and maybe they can get behind you and spread the word and hopefully, get to the bottom of it? Wishing I could help more. Bigz Hugz, Z

Theresa said...

Lisa, I read every word of your story and my heart goes out to you. I thought of two things I didn't see you mention. 1) write letters to your state and federal representatives and senators with cc: to BOA/RCS; 2) write letters to the banking commission with cc: to BOA/RCS. The other thing that occurred to me was our local news station has a helping hand number for problems that companies refuse to resolve. They will get involved and help and then do a story on the situation. You might was to check and see if any of your local tv/radio/print media offer any kind of program like that. Another thing that just occurred to me as I am writing this, after reading several comments from people who have had the same experience with BOA. a class action law suit is also an option. Just some thoughts. Big, big hugs to you.

Margyz Paper Games said...

Dear Lisa, my heart goes out to you.
I live in Australia and have no idea of what you could possibly do to resolve this but I would suggest you contact newspapers and TV Stations and get your story out to the public, there must be others who are in the same situation you are and perhaps, as previously suggested you could start up a class action against BOA. I wish you well and will pray for a resolution for you. Lot of love and best wishes to you and your husband. Stay strong, believe in yourself, you will win through. ox Marg

Carol L said...

I so wish I had the proper connections for you to resolve these problems! I'd push to get this story published if possible. There has to be a way to force this giant corporation to resolve THEIR mistakes and allow you the peace of mind to enjoy the home you've been working so hard to enjoy and keep! I will keep my ears open, and if I ever hear someone mention BOA, I'll be certain to pass this story on in the conversation! I truly wish you the very best in getting this situation fixed!!! {{hugs}}

Cindy Gay said...

I'm very sorry for this nightmare and angry at BOA for creating it.

Dara Lynn said...

Lisa - contact HUD - the National Service Center in Oklahoma City OK - they can fix it with the new lender from what my friend says. She works for a bank corporation --in the mortgage department. Hope this hehttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/nsc/nschomelps--

Poppy the Clown said...

I think you should still go to the newspaper, the TV news and anyone else who could publicly humiliate BoA (Bunch of Assholes). I had a horrible experience with them, and I still have my house and a new lender. It took a lawyer, but that was several years ago. The laws in my state have changed, so you couldn't do it the same way I did. I would love to see Bo A fall. They are the devil.

Elisabeth Bottoms said...

Oh Lisa! I am so very sorry to read this!!! I wish I could do something about this! I only have media contacts in Austria and Australia. That wont help either. I will post on my facebook page about it and see if anyone can help.
Big big hugs!!!

Lynette said...

Lisa, I read this on your Facebook page...this is something I never would have imagined would happen in the US...here in South Africa mistakes and total disregard to customers are commonplace. I hope and pray that somebody is going to help you to get this nightmare sorted out.

xx

Carol L said...

I passed your story onto a friend of mine who is a real estate agent. She said she can help you if you'll call her, but I can't find an email for you to give you her cell number, and I don't want to post her cell number publicly.
Send me an email - it's on my sidebar - and hopefully she can get you through this to stop your home from going into foreclosure. She's a crusader for this sort of thing.

jennifer berkhahn said...

Lisa, I thank you so much for sharing your story. I will post it on my blog and facebook I hope that helps.

Tracie Dean said...

Unfortunately, you are not alone in your conflict with BOA.

I say this with experience. I am sorry for your heartache, your tears, your concern, and your ever growing life in limbo.

It is scary that a bank or any corporation can hold so much power over the little middle class people.

I recommend a good lawyer. If you are in foreclosure (I am not sure if you are) you can use the money you would normally pay your mortgage with towards a retainer for a lawyer.

Call the local newspaper and get them involved.
Heck, I am angry on your behalf.

I plan to link this to my blog, share it on twitter, FB, google+ and everywhere else I can think of.

I sincerely hope you find a resolution soon, and I hope BOA will have to pay you.

I wish you the best of luck and please know you are not alone!!!!

Sincerely
Tracie

Pat Gent said...

Lisa - sounds like it's time to go seriously proactive and call all your local newspapers, television stations, and see about getting some kind of class action lawsuit started. I'd find one of those "if we don't collect, we don't get paid," guys. You want this issue to go to a jury of your peers. Good luck, girlfriend. I'm rooting for YOU!

Tracey Sabella said...

Lisa, this is just awful. So sorry you've had to go through this nightmare. Praying that you can get the publicity you need to get this resolved and soon. It's too bad that the only way some companies will respond is with a big stick.

I may not comment a lot, but your work and sweet spirit have been an inspiration to me since I entered the world of online scrapping several years ago. Thanks so much for your amazing inspiration. ~ Blessings, Tracey

http://gracescraps.blogspot.com/

Holly Young said...

1. Get your attorney involved

2. send a certified letter stating the amount you dispute.

3. call the local news channel,,,,,here in Tampa we have something called "Eight on your side",,,,,see if yours has something like this.

And good luck,,,,,what a nightmare. Hugs.

Linda B. said...

Lisa,
I just read your post concerning the problems you are having with your mortgage lender. There is a new federal agency that was created to help citizens who have problems like yours. You can file a complaint with them. It is the Consumer Financial Protection Bureau. Check out their website and it will explain how to file a complaint. http://www.consumerfinance.gov/

I hope you have reached a resolution by now, but you could still share your experience with BOA with them.

Linda B.

TA Carbone said...

Oh Lisa I feel for you. No one explains that Homeowners Insurance is different than Mortgage Insurance. Also Mortgage Insurance is not what it is cracked up to be. Homeowners insurance covers you for fire and those kind of things. Mortgage insurance is insurance for the bank and does not protect the consumer at all. I found this out when my husband passed away thinking we had mortgage insurance to cover us in case of death. Well when I was served with the forclosure papers I contacted my attorney and was explained that mortgage insurance is for the bank in case we, you, I, can't make payments the home goes into foreclosure and the bank then cashes in the insurance to get the balance of monies due them AND they take your home also. So the bank makes out 3 times, one from the consumer because what you are paying most in the first 15 years is interested, second they get their money from the insurance company and third when they foreclose and resell the house. Yes usually this premium is tacked on to the mortgage payment and there is an escrow for this premium. The only time there isnt a mortgage insurance is when you request that the bank come out and appraise your home and if the value is more than 50% of what you owe usually you can drop it, but there is a fee, usually $200.00 for them to re avaluate your home. Now I live in New Jersey and I do know each state can be different so I would call or contact a attorney thats handles realestate

mary said...

What a nightmare! I Remember hearing on the local TV news something about BOA getting into trouble about their mortgage practices. BOA is headquartered here in Charlotte, NC. You might be able to google search to find the news. I hope you are documenting every phone call and letter sent and received about this problem. I think that reaching out to the media and creating negative publicity might help BOA to listen to you and get the situation solved. It is terrible that there are so many foreclosures lately, especially when people are making their payments on time . Document each payment. Keep trying to speak to supervisors on your calls, every time you talk to anyone always asked to speak to their supervisor. The higher up the chain the better. The CEO if you can get to him. GOOD LUCK! I hope you get good results and make sure BOA sends positive results to each of the credit bureau and gets your credit history repaired.

Crafty Kathy said...

I too have been involved in a nightmare created by Bank of America. I had an original loan with countrywide also that was transferred to BofA when they took over countrywide. My husband and I were a victim of the recession, and my husband is a carpenter who was layed off for almost a year. Unfortunately, we became 2 months behind on our mortgage. We were offered help by BofA, with an offer of a loan modification. We took them up on the offer, turned in all required paperwork on time, and were told that we did qualify for a remodification. We signed all the paper work, sent it back to BofA. We then waited. I was told by BofA that the modification needed to be entered into BofA's computer program, and due to the huge amount of remodification applications, that it would take several months to see it go through, and for us to see it on our statements. For over 1 and a half years, I called several times a month, only to be told that yes the modification was approved, and to keep making the new loan payment amount that we were approved for. Almost 2 years went by, and hundreds of calls later to find out when we would see it on our statement, we got a certified letter that they were foreclosing on our house because we were 11 months behind on our payments. 11 months, because we made the new payments they told us to make. I called like you did. Almost everyday I got a different person, who never could tell me what they did wrong. After developing ulcers, becoming depressed, crying all the time, worrying that we would loose our home, I contacted our Attorney General of AZ, and got help from legal aid. It took my lawyer from legal aid over a year to get them to agree to keep the terms of our modification. It has ruined our credit, because although I made payments on time every month, they never entered the modified loan. It has been a freaking nightmare, and I can't do a thing about my credit. Our lawyer said that BofA will never admit fault. Were finally making the original modified loan amount, but our credit is screwed because of them. I truly understand what you've been through, just don't give up. Use your voice, and go to the media, your Attorney General, Legal Aid, and anyone else who will listen. Good luck, and if you ever need to talk, contact me at DKLuckyM13@aol.com.

rkramadh said...

I am dumbfounded by this whole nightmare you have faced. My first time here on your blog, totally drool worthy but then, this truly awful thing that BOA has put you guys through. I hate BOA to the core even though I haven't had negative experience so far. Where the heck is the govt in suing businesses for malpractice? I am angry at some many levels after reading your heart breaking story. I hope that it's resolved by now. I hope you will seriously consider suing BOA and recoup some costs at least as a small compensation for your nightmare. They need to be taught a big lesson! They would rather settle quickly to avoid bad publicity (which they have earned!).

Shell Vell said...

Hi Lisa. I am wondering if you've been able to resolve this yet? I am going through a similar problem over a $79.16 tax escrow. It has been 19 months of hassle and lies by the bank and my credit is now ruined. I'm facing foreclosure over $80 bucks. It's totally ridiculous. They just refuse to work with me.
Thanks,
Michele
47elm@comcast.net

Shell Vell said...

Hi Lisa. I am wondering if you've been able to resolve this yet? I am going through a similar problem over a $79.16 tax escrow. It has been 19 months of hassle and lies by the bank and my credit is now ruined. I'm facing foreclosure over $80 bucks. It's totally ridiculous. They just refuse to work with me.
Thanks,
Michele
47elm@comcast.net

Shell Vell said...

Hi Lisa. I am wondering if you've been able to resolve this yet? I am going through a similar problem over a $79.16 tax escrow. It has been 19 months of hassle and lies by the bank and my credit is now ruined. I'm facing foreclosure over $80 bucks. It's totally ridiculous. They just refuse to work with me.
Thanks,
Michele
47elm@comcast.net