I  had a credit score of 802 and Bank Of America destroyed my credit.  Long story. 

They would not modify my mortgage after I lost my job. after two years of denials and lost paperwork, I filed a complaint with the Office of the comptroller of currency. At least they had to respond and I have a number of their lies in writing. The only caveat now is no lawyers want to take them on as they will just drag their feet and drown you with motions. I got away from them with a great local bank that refinanced me before BOA could foreclose. Then they miraculously offer me a loan modification during the refinance, after repeatedly stating they didn't even know that I was attempting to modify my mortgage (for almost two years). They destroyed my credit and financially ruined me, but they at least did not steal my home like they wee trying to do. I would like to find out more on how and why they would listen to someone in the process. It seems that if you can prove malice or an intent, you may have a case. Also I was told if you agree to a modification and they take it away you may have something as it is contractual. They also hate bad press, so I am contacting media outlets to see if they would like to bring my story to a wider audience.

 

I work for boa home loans & they suck!!! They run a business filled with lies...they want you to lie to customers. They lose paperwork and ask ppl to refax mod docs a million times ; eventually say it's too late we're taking your house.. I most definitely think they want homes...nothing is black and white at boa...just a huge gray area...they harass homeowners on the 2nd of every month although they have a grace period...management will come against you if one mgr doesn't like you...they pay us to read notes versus really offering real assistance to homeowners. They lie lie lie to their customers and I hate working for them, but I need a job bc I have a family to care for..we have to take all the craps from homeowners due to boa's unethical and deceptive practices..I hate my life at boa..so sad..

They told me I had no legal right to the paperwork that states that they actually own my home loan. I have been given 8 different reps and none of them ever return calls. None of them are in the office when I call. I have faxed documents over twenty times to 17 different numbers. I have reported to the OCC - while I have an open complaint nothing has really happened. My past due amount continues to climb as they do not apply payments. I have asked for an FHA partial claim - no response. What now?

I too fell victim to BoA and was forced to file Chapter 13. I informed the bank Nov. 2010 I lost my job, may fall behind on mtg pymnts and asked if they can help. They told me no, that I needed to wait until I missed a payment. So I missed a pymnt and called them. After providing them with my financial info, they said they were putting me in for a loan mod. and I would get a package in the mail within 45 days. So I waited and called them on the 46th day and they told me I didn't qualify because my loan is FHA. They said I had to miss 4 payments before they could help. So I missed 4 pymts, got on a 6 month pymnt plan, where I paid 1/2 mtg. Once I finished the pymnt plan, they said I needed to make full pymnts and they were submitting my info for modification. Meanwhile, I was getting threatening foreclosure letters because I was now $4800 behind. The operators would tell me not to worry about those letters because I was being reviewed for mod. After months of sending paperwork, they told me I did not qulaify for mod because I didn't send requested paperwork. When I asked what paperwork, they could not give a specific answer, but rather stated I could send a current check stub to reopen my mod app.
IN all of these conversations I had with them....I was transferred about 5 times each phone call, I was given the wrong department's phone numbers and was directed ot the wrong people. At one point I was even told I didn't have to miss 4 pymnts to apply for help. By that time, I had already missed those pymnts.
I filed chapter 13 2 weeks ago so I would not lose my home...and I am still awaiting word from my loan mod request....again.
The bank also sent me 2 checks (with 2 dates and 2 different check numbers) for $19.38. I deposited both checks at the same time and 2 weeks later (today) there was a chargeback fee for $19.38 and a fee for the chargeback for $12.00...which put my account in the negative. The checks stated they were for interest from when I had a house fire and had to send the $ to them from my insurance for them to hold then send back to me. Well, the CSR told me there was a stop payment on one of the checks and told me I had to call the department that sent it (Claims). She also said she could not waive the $12 fee because it was still a chargeback on my acct. I called claims and they told me they didn't know why there was a stop payment. I told her that they didn't call, email, text or send me a letter stating not to cash either check and I thought they were both valid because they were for a valid claim and they were printed different days, etc. She told me someone would call me back within 48 hours and that she would submit a request for the $12 to be reimbursed to me. I think I'll ask for it in a cashier's check so they don't put a stop payment on the next check...if they send one.
I am so so so fed up with this bank. I hate them sooooo much. I thought they would be willing to help but they are hateful and they play games with people's lives. What they are doing in scamming and deceiving people and they should be shut down. I have done everything I they told me to, as I thought they were helping me...and it ended up they are raping me. I am now in Bankruptcy....because of this bank.

BofAHomeLoans - please give me the names of the head counsel and deputy counsel of mortgage and their addresses and phone numbers...thank you