Bank of America
Reviews and Complaints

Dear Sir,
this is the true or fake from Bank of America, please give me
comment. this person & bank coming to me with American
Embassy
Thanks,
Thanayuth Panuraj. Mobile: [protected]
http://www.military.com/profile/member-profile.html?member_id=8820504

From: info@bfamerican.com
Date: 9/15/2009 12:35:16 PM
To: Thanayuth Panuraj
Subject: Re: Brent Russell Bank Of America

Re; Thanayuth Panuraj

see attached form from the west Africa central bank, fill it and send through our
embassy in Africa to the central bank for processing of your application,
Please do understand that we are not saying you should send us money,

the application fees is the requirement of the bank and must be followed,
We adviced you to use our embassy because they can do a proper verification for you
thanks for your patience and comprehension
Brent Russell
BOA
Texas

On Tue 15/09/09 04:13, "Thanayuth Panuraj" nuraj43@hotmail.com wrote:
> Thanayuth Panuraj Mobile: 668-[protected]
> Insurance Agent and Broker Service Office
> Email: tpanuraj@yahoo.com or nuraj43@hotmail.com
>
> ATTN: Brent Russell
> Bank of America
> Texas
>
> Dear Sir,
>
> Thanks for you information that I also focus at the need, and see
> that it is
> :
> "Fill the application form and send the us$800 to our co operate
> affairs
> officier
> In our embassy in Cote D°ivoire"
>
> Thanks, if I got that $800, I will keep it for the Golf match play,
> That
> will not lost
> To any nonsenses in Africa again, from the former lost too much
> during many
> years
> Concerning, as the victims of the scam in this region.
>
> But I got very excite when I can see that you are the Bank of
> America hign
> ranking.
> I would like to consult with you about the other case, please help.
>
> I got the $1000bill (bank note) of some US$millions and you cannot
> that it
> is not easy
> To spend in the African. I need help if you can arrange the change
> for me.
> This is the fund from my boy, refugees who get from his parent, and
> need to
> come to
> Spend his new life in my country.
> I still don't know how to help him. (see attachment).
>
> One more,
> I have some fund from UN that aiming to transfer to me, but need
> money from
> me first.
> And I was fixed by my company, not to send money to the bank or any
> banker,
> who keep fund to
> Send it to me but need to get the poor fee from me, that is too
> obvious,
> and I want to make
> Donation to the UNICEF. I hope you can help pay some fee, and get
> that fund
> for the
> Poor, the hungers, orphanage, children, Hiv/Aids, terrorist suffered
> and all
> people who facing
> Life problem.
> See the ICB Bank of Ghana case as attachment.
>
> Sorry for the need of $800, I cannot do it.
>
> Regards,
>  
> Thanayuth Panuraj Mobile: 668-[protected]
> Insurance Agent and Broker Service Office
> email: tpanuraj@yahoo.com or nuraj43@hotmail.com
> PANURAJ DONATION BRIDGE FOUNDATION
> Business Loan Broker & Services Co., Ltd.
> Agro-Tech Commercial Co., Ltd.
> Lanta-Liki Golf Resort We understand that you are
> worried about investing money in businesses that have to do with
> Africans in
> view
> of the current global scam on the internet; this is why we are
> providing you
> the
> serivces of our embassy in Cote D°ivoire to asist you and represent
> you and
> ensure that you do not send your money to Africans who will tell one
> thing
> today
> and do another tommorrow,
> Therefore you must understand that we monitor all transactions
> originating
> from
> Africa from our Embassy there,
> Fill the application form and send the us$800 to our co operate
> affairs
> officier
> in our embassy in Cote D°ivoire
>
> you should send the application fees to
>
> CORRINE KENT
> US EMBASSY
> COTE D°IVOIRE
> ABIDJAN
> TEL:+225 [protected]
> Email: usaid_govci@ministere-ci.org
>
> We assure you that we shall represent you fully and make sure your
> application is
> fully processed and your card account delivered to you in Thailand
>
> Brent Russell
> Bank of America
> texas
> On Mon 14/09/09 23:40, info@ubagroupci-ci.com wrote:
> > FROM : Bank manager Mr. Nghoran Felix
> > Email info@ubagroupci-ci.com
> > Website www.ubagroup.com [3] [1] [1]
> > Tell +[protected]
> >
> >
> >
> > We received your prayers and we have commenced the processing of
> > your request;
> > be informed that we have submitted your information to our
> > corresponding bank in USA
> >
> > the bank of America Texas
> > tel: +[protected]
> > Email: brentrussell@bfamerican.com
> >
> > contact person: Brent Russell
> > Manager foreign operations
> >
> > Attached to this email is a visa card account form from the
> central
> > bank of west
> > africa
> > www.bceao.int [4] [2]
> > Email: info@bceaoci.com
> > contact : Bapu Paul
> > Tel: 00225 [protected]
> >
> > fill the form and submitt with us$800
> >
> > You are not required to pay other unneccesary fees after this
> > payment.
> > The bank of America will call you to explain the methods and how
> > this works since
> > this card is going to be issued by them
> >
> > wait for their call today
> >
> > Micheal Konan
> > Ubagroup ci
> > (111.5 Kb) attached
> > (511.6 Kb) attached
> >
> > ----- Original Message -----
> > From: "Thanayuth Panuraj" nuraj@truemail.co.th
> > To: info@ubagroupci-ci.com
> > Sent: Fri 11/09/09 03:42
> > Subject: Fwd: Visa card account from visa card Inc in America and
> > send by dhl.
> >
> > (111.5 Kb) attached
> > (511.6 Kb) attached
> >
> > Thanayuth Panuraj Mobile: 668-[protected]
> >
> > Insurance Agent and Broker Service Office
> >
> > Email: tpanuraj@yahoo.com or nuraj43@hotmail.com
> >
> > Ref: To move the fund of $8, 000, 000.00 millions united states
> > dollars.
> >
> > ATTN: Bank manager Mr. Nghoran Felix
> >
> > Email info@ubagroupci-ci.com
> >
> > Website www.ubagroup.com [5] [3]
> >
> > Tell +[protected]
> >
> > CC: RAMATOU ABBAS
> >
> > Dear Sir,
> >
> > In accordance with the need of my little girl, Miss Ramauou
> Abbass,
> >
> > Who need me as the beneficiary, and to move her fund of
> > $8, 000, 000.00
> > millions united states dollars
> >
> > To me in Bangkok, Thailand.
> >
> > And to help her the future Education in the International School
> in
> > Thailand
> >
> > I have contacted with the International School in Pattaya and
> > Huahin, the
> > best
> >
> > Tourist spot location for her.
> >
> > I will take care of her fund to invest in some various projects
> that
> > I have
> > already sent
> >
> > Her the Letter of Business Joint-Venture, as attachment.
> >
> > This way of helping seems no problem at all, if you can provide
> the
> > deduction of fee and
> >
> > Charge for all need of your banking process. That I would like to
> > hear from
> > you and get the advise.
> >
> > But if your bank have to do the progress of this mission by let me
> > pay a
> > dollar, it seems
> >
> > Impossible at all. It is due to I was stopped by my company, not
> to
> > pay or
> > send a dollar
> >
> > To any project in African again. I have completed lost to this
> > region upto
> > US$millions already.
> >
> > Especially lost to Abidjan, Ivory Coast about $250, 000 in the case
> > to help
> > the girl name Sandra Williams.
> >
> > So I will not Able to let my partner in my country to get big
> shock
> > again,
> > and they all protect me from
> >
> > Lost again by making completely stopped my sending money process.
> >
> > I have inform the girl, Miss Ramatou Abbas, to understand about my
> > situation
> > already,
> >
> > And If to work with me is impossible, I will happy to let her
> choose
> > the
> > other beneficiary
> >
> > The she can trust. I am doing making Merit and Charity, to help
> > people by
> > Making Donation,
> >
> > But now, the company budget coming to bad short, unable to pay any
> > for
> > donation again.
> >
> > What I give the Idea to the girl, just let her try to get some
> money
> > in hand
> > enough for the
> >
> > Coming expenses first, ready to pay it by herself, not lean on me.
> > That is
> > to Need your help.
> >
> > Such DHL fee, if your Banking approved to release the ATM already.
> >
> > You should get deduction of all fee and charge for the DHL or
> Fedex
> > or UPS
> > to be complete
> >
> > Before sending to me.
> >
> > I don't want to concern with the fake of Fedex, UPs or DHL who
> their
> > are
> > used by the scammers
> >
> > In Africa region, to suck from me much money already.
> >
> > Private Notice : I got the fund going to send me my DHL from
> > Abidjan, but
> > let me pay about $250.
> >
> > I also refused to pay it, and cancelled it. I cannot trust them
> > again. My
> > lost to the Fedex, Ups and
> >
> > Dhl in Nigeria, Ghana are too much already.
> >
> > 1. Name: Mr. Thanayuth Panuraj Mobile : 668-[protected]
> >
> > 2. Office address: 46/64 M.Thanawan, Phaholyothin52, Saimai
> > District,
> > Bangkok 10220
> >
> > Country : Thailand.
> >
> > Email: tpanuraj@yahoo.com, or nuraj@truemail.co.th
> >
> > Nationality : Thai
> >
> > 5. Date of birth : May 24th, 1942 (Age : 67)
> >
> > 6. Occupation : BUSINESS LOAN BROKER ]
> > 7. Tel.No. : Mobile: 668-[protected] Office: [protected] Fax:
> > [protected]
> >
> > 8. Passport No. I 704662 issue on 18th July 2007
> >
> > 9. Marital Satatus : Married
> >
> > 10. Education : Bachelor degree, University of Thai Chamber of
> > commerce
> >
> > 11. Next of kin : Miss Wichita Panuraj and Mrs. Chantacha
> > Phuangyeewa.
> >
> > Siam Commercial Bank, 230 Rachada2 Branch, Bangkok 10310, Thailand
> >
> > Swift Code : SICOTHBK
> >
> > Saving Account No.[protected]
> >
> > Link with Current Account No. [protected]
> >
> > Phone No. [protected], [protected], [protected]
> >
> > Fax. [protected]
> >
> > Yours faithfully,
> >
> >  
> >
> > Thanayuth Panuraj Mobile: 668-[protected]
> >
> > Insurance Agent and Broker Service Office
> >
> > email: tpanuraj@yahoo.com or nuraj43@hotmail.com
> >
> > PANURAJ DONATION BRIDGE FOUNDATION
> >
> > Business Loan Broker ]
> > Agro-Tech Commercial Co., Ltd.
> >
> > Lanta-Liki Golf Resort ]
> > http://www.flixster.com/user/tpanuraj?refreshTalk=true [6] [4]
> >
> > http://www.military.com/profile/member-profile.html [7] [5]
> >

I have made transfer of funds from Bank of america to HSBC on the 9 September 2009. It been 3 weeks and bank of america cannot inform me of teh whereabout of my funds. I have been on the phone at least 20 times with different departments and I keep getting confilcting answers. All I ask for is confirmation dates and numbers of where the fund are?

OMG Sounds like the same CRAP BofA put us through for over a year. Send this document send that document send the same documents a million times so we can tell you we have it and then request you send it again. We were two months behind when they told me in September that my first trial payment was due in December. They told me I could pay earlier but the first trial payment wasn't due until BEFORE December 1st. So I paid before December 1st then I paid January. Right before I could pay the February trial payment they sent me one of their famous fedex packages stating I was not being modified. About 10 days later we got a fedex letter stating we were in foreclosure. I called and they told me they denied the modification February 10th and then put us in Foreclosure on the 17th. ONE WEEK LATER! They said none of my trial payments would count and I was now about 7 months late. We were 2 months late then they basically told me what to do...and what THEY told me to do made me 7 months late and ultimately put me in Foreclosure...Me, my wife and my 2 year old, my 3 year old and 10 year old. Way to go Bank of America...or should I say Bank of SCREWING America.

In June 2009, My wife and I were interested in the Making Homes Affordable Program offered by BOA---who took over our mortgage from Countrywide, Inc.  We contacted the BOA office in (because:"We're here to help you."), and got the run around on that program, essentially a loan modification program, but were told that we would have to apply for the Special Forbearance Program first. 

I am a full-time caretaker for my wife, whose health has deteriorated, and medical bills just kept getting higher, even though we have one of those "Cadillac" health insurance programs.  we also had had major expenses on HVAC failure, so things were about to implode.  we had to do something.

We began the process, provided the required paperwork, and waited to hear further contact.  The representative had our home phone, FAX, and cell phone numbers.  At the end of the month, we had to travel out of state for a few days.  When we returned, we had three messages from BOA (two on the home phone and one on the FAX/answeering machine) asking for more information.  I called back, and was told that we were dropped for failure to respond to requests for further information!  I never got any calls on the cell!

We decided to try it again, and this time we were accepted into the forbearance program.  We were leery to say the least, since the program allows one to "miss" three payments to provide some financial relief---but then one has to pay back those three months of missed payments in a lump sum, not roll the missed payments into the loan, so we were told.  It made no sense, but we did enter the program, hoping to get approved eventually for the Making Homes Affordable Program.

We still made the payments (and on time) under the forbearance program because something just did not add up.  I did some researching  online and found too many horror stories about special forbearance options and how mortgage payments actually increased, and people were forced into quick sales.  Glad I did that.

In November 2009, we received notification that we were approved for the Making Homes Affordable Program----a big $75.00 reduction of our $2000/month mortgage payment!  I was told that the reduction amount could be more after our case was fully reviewed.  We began a four month trial period with a reduced payment.  The trial period ran from November 2009 through February 2010.

In January 2010, we received a FEDEX package requesting more documentation (Well, the same documentation I had already sent at the beginning).  I provided it, and called to insure that it had been received.  I received confirmation that it had been received and that everything was current and up to date, in fact the package was in underwriting.

After making the final trial payment in February 2010, I called to inquire as to the next step.  I was told that everything was in order, all the paperwork was there, and underwriting had the package.  It would take 60 days to finalize, verify occupancy, etc. At that time, i was told to continue making the reduced mortgage payment (Remember, a $75.00 reduction!).  I did continue making the payments and on time.

On 1 March 2010, we verified the status of the package, again.  We were told that the package was complete as of 26 February 2010.  But then, for some reason, we were directed through three other offices, and told that the package was complete, but was "in processing".  To what degree of "in processing" we could not get an answer.  In other words, the right hand did not know what the left was doing.

At the end of March 2010 we received another package.  It was the same type of welcome package I had received back in November 2009.  Essentially, I was beginning the process all over again!  I had to resubmit everything!  I called, questioned why I was being asked to start the process all over, and was told that it probably was a duplicate copy, but to send in the information anyway.  Yes, my package was still in processing.  I sent everything again, even more than was required.  The package was received by BOA on 21 April 2010; I tracked the package.  It was due NLT 24 April 2010. 

I called to check on the status on 24 April 2010, and was told that it had been received, was complete, and was being processed.  I was instructed to keep paying the reduced mortgage payment amount.

On May 23, 2010, we received a FEDEX letter from BOA stating that we were not eligible for the Making Homes Affordable Program.  The reason: "Your loan is not eligible for the Making Homes Affordable Program because you did not provide us with the documents we requested.  A notice which listed the specific documents we needed and the time frame required to provide them was sent to you more than 30 days ago.  We may also have sent you additional notices about missing or incomplete documents."

Obviously, they don't have their act together.  There never was a main point of contact for my loan modification, and I always received the excuse, that so many modifications are being processed that sometimes items get lost or sent to the wrong office.

I certainly hope HUD is more competent in handling my complaint against BOA.

I'm not sure about BAnk of America's policy but I'm 80% sure it's similiar at the bank I work for. Most banks' policies use BAnk of AMerica as a model. We will refund the overdraft fees IF the merchant acknowledges their mistake and posts your refund back into your account via your card or through ACH.

I'd rethink your strategy as far as costing BOA money by leaving $10 in your account. #1: What type of an account do you have with them? If there's a monthly service charge, your defeating your own purpose because you have to maintain a certain balance to avoid the monthly service charge. #2: If you're like me and you were lucky enough to take advantage of their no monthly service charge when you opened their basic account online then you MUST keep the account active. They have the discretion of either charging an inactivity fee if you leave the account dormant. #3: My husband had that idiotic logic too. He wanted to "punish" the credit card companies by not using their card again and forcing them to send paper statements each month. Guess who had to waste time by shredding all the documents? Companies are getting smarter and will find a way to save their costs. The penalty is they raise their fees elsewhere to compensate. Thanks for costing us money, "Likonna".

I am disgusted by the way ya'll have treated me with my making home affordable modification and that you did not lower my house house payments but are now trying to take my home away from me, but yet you will auction my home off for pennies on the dollar instead of working with us and letting us keep it. this is going to stop because if we have to picket bank of america and do whatever else we can do against bank of america we will. call mrs. mccall [protected] CEO of bank of america and let her know to stop doing this to people and also Mrs. ebony brown who told me that either i can accept the modification, forclosure, or quick sale. i asked her to review the modification and she told me that i had those 3 choices only. my husband had to go on disability because he went in for surgery and he thought he'd be back to work in 3 months instead the surgery didnt go well and now he's on permanent disability. if president obama would do what he said he was going to do this would not be happining. “I support John Wright vs. BofA Lawsuit!”

Please disregard united law group above. They are no longer representing me, but you can find more information about my lawsuit at piggybankblog.com, which I created for all those who have been abused by Bank of America potentially irregular, fraudulent and simply abusive loan modification program.

http://www.youtube.com/watch?v=S3zs41dfE3g&feature=player_embedded

My name is John Wright AND I AM FIGHTING BACK!

John Wright
piggybankblog.com

We applied for a loan mod in May of this year and sent in all the paperwork bofa required. We fit into the criteria we owe more then our house is worth my job isn't steady and our house payment is more then 40 percent of our monthly gross income. Well I called weekly for seven months. I always got the run around its in review and then it was in the underwriters hands. I thought it was a timely process, but I felt we were making progress. At one point I was told by a bofa rep that our trial papers were on the way. We had an exact date when they should arrive by. Then came the fed ex letter only to find out we were denied and when I called them to ask why they told me because I was current on my payments, well being current on our payments is a guideline to enter into the program. I was in shock and here is the kicker, before we entered this mod process we paid our taxes and insurance separate, we would charge those so we could have a lower monthly
payment. Well during the process bofa started an escrow account for us and now that we got denied we are stuck with a higher payment then before $300 a month more than our original monthly payment. How is that going to help us. This is a scam and the program would have helped us now instead we might lose our home! buddy012@yahoo.com

Thank you for your postings about the B of A number and the lawsuit...

This was EXACTLY my experience and it took much internet searching to find a correct phone number to call... They will not give you one in customer service and keep directing you to lines that do not exist...

Unfortunately, when you do speak to a representative- they all tell you something that differs from the others and cannot help you AT ALL//////////
I cannot believe they are being paid just to give people the run around and " claim : that they are working on loan modifications and workout programs...

I am mad as hell... and i am not going to take it anymore... to quote the movie network !

You are lucky they only raised your morgage $200, they raised mine $900. I started with Countrywide and then been bought out by B of A. They made me impound my taxes and insurance, which I didn't want and then increased my monthly payments. I couldn't afford their raise, so I asked for a loan modification in February and have been fighting them ever since. It is now December and we are still doing the modification plus I couldn't afford the increase of $900/month payments they have put me in foreclosure. And as for rude they are the worst. When they call you with their recorded messages half the time the call gets dropped while your waiting.

At my work, the majority of peolpe having the exact problem you describe got their mortgage bought by B of A and the "Hell" as you know is a normal practice with them, Welcome to B of A. The truth is they really don't want to give you a modification and they are going to play the scam, "the left arm doesn't know that the right arm already approved you and you're now in default for paying the new agreed lower payment- because now they want the difference back and your house" But it is too late, you are in foreclosure. It sounds soo corrupt, but they do this tooo often to be a mistake. It's more like a basic unethical practice they adopted. Crummy bank, very sorry. Not many people are sucessful, but I truly hope you are awarded one of the allotted "TOKEN" modifications. Every once in a while they let someone slide through, just so they can claim what a wonderful bank they are with consumers.

Here is a letter I have been sending my congressman and legislators. We have gotten screwed by Bank of America

Dear Congressman,
I am writing you as a very concerned citizen and also someone who has lost my home to foreclosure. My husband and I bought our home in June of 2009. I did a lot of research and was able to find a loan through the USDA that would make it affordable for us to buy. Our loan was originally held by Taylor, Bean & Whittaker. In August of 2009 we made our first Mortgage payment to Taylor, Bean & Whittaker. At the end of August 2009 we received a letter from Bank of America informing us that they had bought out our loan and we needed to start making our payments to them. In September 2009 I sent them our mortgage payment as I did every month thereafter. In January of 2010 I called Bank of America to let them know I was having a difficult time in making my monthly payment for January 2010. I was told not to worry, all I needed to do was go online to my account and explain why I was going to be late and give them an approximate day when I would be able to pay. I followed all of the steps they told me and felt that I would be fine. I called back in the middle of February 2010 to Make January's payment and also set up a payment arrange for February for two weeks later. When I called I was informed that our home had gone into Pre- Foreclosure on February 18th 2010 and that I could not make a payment. When I inquired as to why our home was going into foreclosure for only being 38 days late on our account I was informed that they never received our payment from Taylor, Bean and Whittaker therefore according to their records I was 68 days behind on our loan. I had previously thought this issue was resolved because I had faxed in the cashed mortgage check to Taylor, Bean & Whittaker clear back in November of 2009 to Bank of America at which time they assured me my account would not fall behind. I was told that they had taken over many loans from our previous mortgage company and it would take awhile to adjust customer’s accounts. I spent 35 minutes on the phone trying to get an explanation as to why this had happened. I asked if I could speak to a supervisor and was told that unless my account was current I could not. I was very distraught and could not believe this was happening. The representative from Bank of America told me the only thing I could do at this point was apply for a Modification Loan or pay the full balance owing on our house which was $137, 000.00 dollars. Obviously I could not pay the loan in full so I applied for the Modification program. I was informed that I would receive a packet in the mail in 10 to 30 days via UPS or Fed Ex with all the forms I would need to sign and any documentation that I may need to send back. Weeks and weeks went by and I never received anything. I kept calling into Bank of America and all I was repeatedly told was that they were very backed up but to be reassured that because we pre-qualified for the modification it had stopped the foreclosure process on our home and if by chance I did receive anything with a sale date all I would need to do is call in and they would extend it. I also checked every time I called to see if our missing payment had ever been applied. Until this point in time that payment has never been applied to our account. On July 13th 2010 I received a phone call from a gentleman named Mark. He informed me that he had been assigned as our negotiator and gave me a list of documents that I needed to fax to him. At this point he informed me that I had 48 hrs to collect these and fax them and if I didn't our application would be closed. I was appalled, not only was my husband having ankle surgery the next morning, I couldn't believe that after all the phone calls I had made and waiting for 5 months for this process to get moving I was being given 48 hrs to get my documentation in. I informed Mark that I could not possibly do this in the time frame he was giving me because my husband was having ankle surgery the following day and I was his ride. Mark told me that he could give me one extension for 48 hrs and that I would need to have all the information to him by the 22nd of July. I faxed Mark all of the information he requested by the time line he had given me. On July 27th my husband called me at work and said the sheriff had been to our house and served him with the date of sale paperwork. The auction for our home has been set for August 24th at 1:00 PM. I immediately called Bank of America to find out what was going on. When I called in they said that they weren't showing that our house had a sale date. I informed him that he better figure it out because I just had a sheriff at my home. The representative put me on hold to call their legal division, when he came back on the line he confirmed what I had told him. I asked him why this was happening and if we could extend it. He told me no, all we could hope for was the modification being approved before the sale date. I asked him why we could not extend it and he informed me that we were too far out on this loan modification and too much time had passed. I was outraged and distraught. I let him know that the only reason why it had taken so long is because of Bank of America dragging their feet and that I had just barely been contacted less than 14 days ago as to where and who I was to send my documents too and that I had been calling in weekly for months to find out the status on our modification. I hung up with him and called Mark. I was informed that the investor had denied our loan. Their reasoning was that they said Mark was trying to lower our current interest rate and extend the loan longer than it was originally written for. Mark informed me that this was not the case that he had kept everything exactly the way that it was. He informed me that he sent it back to the lender and also sent the original loan documents with it. I can tell you honestly I have never been so frustrated or distraught in my life. So here we are waiting to see if the investor will approve us hoping our home doesn't get sold out from under us. Mark informed me that the investor could come back and deny our loan for another reason and if he did we could look at other options in saving our home like a payment plan or restructuring or even a short sale. I asked why this is the first I had ever heard of these options. Mark had no answer for me. I was informed that to start this whole process again I would need to contact their payment research department to find out if the lost payment to Taylor, Bean and Whittaker had ever been applied so they would know the exact amount that we were behind. I called and guess what. It hasn't and now they can't find the copy of the cashed check I sent them. I asked how something like that gets lost and was told it drops from the system after so much time has elapsed and that I would need to get another copy of the check front and back and the bank statement showing that it was cashed. Then I would need to call them back get it straightened out and then call the Home Loan Retention Division and start the whole process over again. Two problems here. 1- I no longer have that bank account due to online bank fraud. 2- I cannot find that bank statement. I went to my bank to see if I could get these copies and was told that for $50.00 hr they could research it and then I would need to pay $4.00 per page because it was a closed account. I do not have a problem doing this if I knew that it was going to do any good, because as of yet doing everything Bank of America has asked me to do was not good enough to save my home. I am at my wits end and I don't know where else to turn. I feel that there has been a grave injustice done to my husband and I and this never should have happened. Could you please, please give this your attention and contact me as soon as possible. I loved my home and living in Sanpete county. I appreciate your time and attention and hope to hear from you soon.

I wanna ask U a question, , I have been sent a message from Nokia. claiming that i have won 315.000.00, in Kenya, , do they joking or it is something reality?

Just another way that BOA can extend the life of our loans. This is my first year with BOA as a mortgage lender. They bought out my loan this year. To my surprise I received an escrow overpayment check this week. It was nice to receive, however I want any form of overpayment to go towards principle. I called BOA and was transferred 4 times until I got someone who told me that they can't do that. Their system can't handle applying overpayment towards principle... It has to be mailed back to me. What kind of crap is that. A TRILLION DOLLAR company can't write a program or have the capability to NOT issue me a check? They said the only way for me to apply it towards principle is for me to take that check to a local branch and apply it that way. Just more time out of my day and more gas used.

STEP IT UP BOA.

I've been denied one modification and in the process of trying to get approved for another type of modification. The BOA case worker as been "dodging" my calls; stating in my file that she has not received the appropriate paper-work. I have a file of all documents that were sent to BOA number times and I have the fax confirmations to prove. I currently just sent an email to BOA's president. My next step is to send out emails to my local television stations to see if they can get anywhere. All my husband and I want is for them to say yes, we can do the modification or no, we can't...This has been the most ridiculous situation I've ever been in.

Has Bank of America modified any loans through the home retention program? I would like to know. I am currenting 5 months in the process and would like to know if anyone has been successful with BOA.

Thanks
Phil

Bank of America has really ruined people's lives for achieving the American Dream. When I bought my house i was so exited and proud of the accomplishment. I lost my job on Jan. 2010 and they immediately started sending me certified letters to start acceleration proces. I didnt understand why because I had started the loan modification process in May, 2009 and i continued to call to check the status and was told to stop calling because everytime I call I push the process back. So I did what I was told, about Sept. 2009 I called to see why I hadnt heard from anyone about my loan modification and was told that I was denied and the only thing i could do at this time was to pay the five months of mortgage that I had not paid. Now if you applied for this bogus loan modification program then you would know that in order to even be considered you have to be 3 months behind in your mortgage. Believe this when I say I was told in a letter that i kept, that I will need to be 3 months behind to qualify. So what do you think I did, yes became 3 months behind and applied for services. Did the interview over the phone not once but twice and sent all necessary paperwork. After 7 months of no definite answer, they kept stalling and saying they're many people that are applying and my application has not yet been processed. In the eighth month of me sending all documents and constant calls I recieved a letter that said I owe 10, 000 something and the forclosure process will begin if I do not remit this total payment. I know that there are laws to protect us from being railroaded by banks. They harrassed me so much that I left my home just so I didnt have to keep getting these certified forclosure letters. So they did what they set out to do Take my Home!

I had an approved modification which was notorized and sent back via fedex. It has been 2 years and they still have not corrected the payments to the new payment. If we pay the lower payment we are chareged late fees. I have called over 30 times and spent about 8 hours on hold over that time. I have talked to probably 40 different people and multiple supervisors. Nothing changes and nobody does what they say they will do. This was already approved and processed while it was countrywide and after the purchase by BOFA, they have not honred an actual executed agreement between us.

I am actually in a lawsuit with them right now. They are arrogant because in the original loan documents, we signed that we understood in the event of a modification process, that they did not have to give us a modification. They tried to get my case dismissed based on this fact, but the Judge said that even though he agreed that the bank did not have to give me a loan modification, he also agreed that I might have a case in regards to them hurting me with that process. Metaphorically speaking, they have the right to own the car, but did not have the right to injury me with that car.

You can find more info regarding my lawsuit at piggybankblog.com. I created piggybankblog.com for all those who might have been abused by Bank of Threatening America. Please join us :)

I am John Wright and I AM FIGHTING BACK!

John Wright
piggybankblog.com

We are going through the same thing with BofA and got the same intent to accelerate letter stating that we owe 40, 000 which there is no way possible we can pay. They have used all of the tactics mentioned above and more on us. I wish we could get in on the lawsuit against them. How can they get a bailout from us and then turn around and take our homes without helping to avoid foreclosure and puting good hardworking people and their families in a very horrible situation. Further more the reason alot of us are facing these diffaculties is because of the big bank corrupt practices in the first place and then we had to bail their butts out! But help good honest AMERICANS who helped them would be unacceptable I guess. Signed One of BofA's many victims.

Countrywide sold our home right out from under us using a dummy lawyer to funnel paperwork through and deal directly with the court telling the judge we did not want our home. We went to the New Mexico Attorney General and filed a complaint. We have been homeless for three years fighting to get our home back and cannot even get updates from the lawsuit although they did say they are working to get our house back free and clear of the mortgage plus minimal damages. Our house was already sold twice...the first time a subsidiary of Countrywide bought it at the court hearing...the second time a private buyer got it. Now I just found it for sale again. Gee, doesn't seem to me like things are going well at all since BofA refuses to buy the house back and return it. Hey lets wait until it is sold again and have to pay off two people then return it with no mortgage and lose even more money. I do not understand how a family can be paying their mortgage and someone can just show up on the doorstep and say hey your house has been sold and you have three days to get out but that is what happened to us. I don't like what is happening in this country where these large corporations can run roughshod over innocent citizens with no consequences.

Recently I had very bad expereience with Bank of America Home retention department. They are fake and cheating everyone.

I appiled for load modification in December 2009 and sent all the documents, after that I have not received any letter or any communication from them, later when I called they said you are in 3 months trail period and after that we will confirm the load modification.
I made all the trail payments on time, they after 3 months they sent me letter thet your are not eligible for loan modification also they reported to credit reporting agencies that I am behind my payment.
Now they are asking me to pay the late fees and also the different of trail payment amount and my actual payment amount.
For all this I had to make mutiple calls and evreyone told different answers. CHEATERS.

Bank of America Home retention prpgram is a FRUAD! 02/26/2010

In the past year my family and I applied for help with our then loan server Country wide, Due to loss of income as a result of my serviced connected disability and job loss. I was unemployed for more than a year and a half. Country Wide was helping us until they sold or were bought out by Bank of America. Once our loan was taken over by BOA the Problems really began, BOA could not pickup were Country Wide had left off. We had to start our Home retention process all over. We provided BOA with all the information that they required for the process. Our counsular's name was Brett Reynolds He said that he was our contact person and referred to himself as a counselor, and that he took our case very seriously, We gave copies of POI, letter of hardship, IRS forms, proof of insurance, and all relevant documentation that BOA requested. After 2 months of faxing and mailing the same information no less than 6 times too Brett Reynolds and the Home Retention dept of BOA;
Brett Reynolds said that he was more than 99.99% sure that with the information that we provided we would have no problem qualifying for the program and that our reduced payments would not change, At one point he told us that it looked we were accepted and that we would receive a letter and documentation to sign for the loan modification. He told my wife and I to be patient and keep making the reduced payment until we received the docs to sign for the mod from BOA.
Two weeks later we receive a letter the dated January 29, 2010. The problem was this letter was received Feb 12 2010. The letter stated that we were not eligible for the Government program due to income. They stated in the letter that my income was $8, 091.50 per month.
I called Bret Reynolds right away to find out what was going on and that my income was no were near this amount. He promptly told me that he could not help us any further and had the nerve to hang up on me. I called back and emailed to no avail. I called the main line and Arlene said that we were turn down due to my income and that was the problem, So I disputed the income, At this time I had my w2 for the last year and told Arlene that I would fax it over and she said that I didn't need to do that and lets go over what we have and find out what went wrong. As she read back the income that BOA had on file, it was apparent that BOA‘s employee Brett Reynolds had Fraudulently falsified my income statement. Arlene took my information and tried to put the account back into review status for the loan mod, She placed on hold so that she could talk to a supervisor to find out how to put the account back into review status. Arlene came back on the phone after a 15 minute on hold and proceeded to tell that she and her supervisor put a request in and that I needed to call back in a few days and check on the status, because it would take the “system” time to reset .I called back on Monday 02/22/2010 and I was told that my account was back in review and we had to wait and to continue to make our reduced payment.
On that day Monday 2/22/2010 no sooner that I got off the phone with BOA; MY wife calls me stating that we just received a letter dated Feb 12, 2010 that was entitled NOTICE OF INTENT TO ACCELERATE. The letter states that we have until March 14, 2010 to pay $10, 895.96 to cure the default.
We again called to find out what was going on and we were told that it was a mistake and to disregard the letter. We asked for some kind of proof from BOA stating that fact and we were told that they do not do that and we would just have to take BOA word that it was a mistake.
The very next day 02.23.2010 my wife calls me and again said that we received another letter from BOA and this letter said NOTICE OF INTENT TO ACCELERATE But this time the amount is different, the amount now is $9, 314.96. Again we called back and were told the same thing to disregard the letter and wait until the review was finished.
I have asked BOA if we could short sale our home and they told us no. I then asks BOA for Forbearance and they told us no. I asked BOA about refinance and they told us no.
Every time we call and talk with someone we get different answers to the same question that we ask. We want to keep our home but BOA could care less. BOA website says one thing, and then when we ask about all the options that the website says are available to consumers to keep our homes, all we get is; no; you cannot do that or that information is old and the site is not updated. Complete run around. I realize now that BOA stands to make more money to kick us out on the street then to help save our home. I want BOA to tell my children that.
BOA has no intent to process our claim; BOA has intentionally misrepresented and mislead us about the process and program to us. Brett Reynolds portrayed himself as a Home retention counsular and in fact he is not, and he fraudulently reported my income as much as 120% plus higher than it actually is, and that amount is not what my w2 states that I provided BOA.
The home retention program at BOA is a complete misrepresentation and fraudulent.
At this point we have no idea what to do or who to turn to. BOA has completely misguided us and has stalled us in order to foreclose our home, knowing that we could never come up with 9 to 10 thousand dollars in less than 30 days. BOA has planed this from the start and had no intentions in helping us.