I do not even know how to make this a short story. Basically BOfA has made my life *** for almost 2 years.They give me the run around I literally have spent up to 20 hours a week on the phone. Trnsfrd & given diff stories. I qualified for modification & made my payments, yet now they are still saying im in forclosure & some say I never got a modification while others see the modification. They cannot explain actions on my accounts where funds were moved around and missaplied. They cannot tell me anything and now they will not xcept payments!!!??? I dont know if i will even have a house at this point. its a nightmare. I cannot get anyone to help me. I literally have talked to 12 ppl just this week and got 12 different stories and no answers!

Where is the complaint that I wrote about Bank of America?

Where do I begin... well in November of 2008 I lost my job at Target where I was making approximately $60k a year which is very good for this area. We were devistated and I immediately applied for unemployment. I then contacted my bank and informed them of the situation and explained that I could send them about $1000 per month with my unemployment, at the time my mortgage was around $1600. I asked them if they had any mod programs or assistance that would help me keep my house and I was told "NO" that my $1000 per month was only going to pro-long forclosure. I was told that my debt to income ratio didnt qualify me for any program. That was a no brainer... I just lost my income. Anyway, so instead of paying a payment I paid off a bunch of our debt. I then contacted Bank of Amercia once I had some significant debt paid and asked them the same questions. We went through the same routine conversation and question/answer period, but this time they said I qualified, , , oh and I also had a new job by this time however I was earning less money, much less. Never the less they told me to send in a TON of paperwork, employment varification, a hardship letter, tax statements, the whole works. I sent it in for them. During this time they were working on putting together this forbearrance payment for me, $828.66 per month for three months when it finally arrived. But during this time, I would consistantly get letters stating that I didnt qualify now, they didnt get something from me they needed, or they would send me a bill with a new HIGHER payment amount. Each time I would call I would get a different story from each representitive. So when if actually finally arrived I made my three months payments as requested and then didnt hear a word from them. Approximately a month goes by so my husband calls them. Oh yes they re-assured him that the new modification would arrive in December. January shows up and we still havent heard anything. Then we get a letter in the mail stating that we dont qualify and our new monthly payment is over $2000. That is over $400 more than our originaly mortgage payment. We could not afford it. So we called and again we were given the run around numerous times only to finally have them tell us our debt to income ratio was too high. WHAT???? We didnt incure any new debt since we were qualified last time so what is the deal. We just through our hands up and said forget it. We have tired for almost two years to work with the bank on an affordable mortgage payment and now our house is in the forclosure process with a sale date of November 29th 2010. So we started selling our things, we stopped putting money into the home for fixing stuff and we started packing and looking for new homes. AND NOW WHAT... the bank sends us a new affordable plan out of the blue and are willing for work with us all of a sudden. Why now? Why after we have tried for so long? Why after we sell our posessions? We wanted to keep our home and they played games with us for sooooooo long and now that we have gotten rid of our personal belongings and our preparing to move they pull this.

I was enrolled in the Make Homes Affordable Program and began my "3 month trial" as of 3/1/2010. I turned in EVERY piece of documentation they required. At the end of that time, I had to call and ask what I was supposed to do since I had not heard from B of A. Someone said "just keep making your payments and you will get something in the mail." For months they kept asking for more documents that had NOTHING to do with my 3 month trial, B of A just was taking so long that they needed updated information. I made all 3 of my payments and gave them all the paperwork that was required. I soon began receiving phone calls and letters wanting more information, all the while getting NO information. I spent HOURS on the phone for months getting all sorts of different answers. I would get undated letters to call people and extensions that do not exist. I would get sent to "the Office of the President" every time and they would say, "you aren't supposed to be here" and then transfer me once more. Then I get a letter stating I am "kicked out" of the MHA program because I DID NOT SEND ALL DOCUMENTS REQUESTED!!! I DID send all documents, but they waited months and needed even more. When I called to "appeal" my removal from the program, the man said he could not find ANY of my paperwork!! ONE HOUR LATER, he started seeing my documents online but said he was missing some so could not file an appeal on my behalf and there was NOTHING he could do. I asked for a supervisor and she did give me her extension, but I have not been able to get her to call me back after I left her a message regarding ANOTHER letter I got which was undated and said I had to turn in paperwork to a Jo Lewis and to call Jo Lewis at this particular number. When I called there was NO ONE by that name whatsoever and I got transferred around to a lady who said she could not help me, did not know where that letter came from or who Jo Lewis is. That UNDATED letter either came on Sat Oct 2, or Mon Oct 4 or Tues Oct 5 and said I HAD to fax the items listed by 4 OCT or the file would be closed (I was out of town the 2-5) When I told the supervisor that, her response was "It is not our fault you were out of town" (!) I am incredulous as to the impossible hoops I have to jump all the while, they have no intention of helping me. I just get the run-around. HELP!!! [email protected]

I submitted a refinance loan application through the HARP program and submitted all the required documentation. Bank of America has drawn out the process for months, and I believe they have no intention of following through on the loan.