I bought an investment home and had loan from BOA through a brook, the whole process was unbelievably snap. BOA had my husband’s information entered wrong into their computer than asked my brook and us did a lot of extra work, and they kept promise they will have all paper ready but until the last day (it was HUD property, must close at certain day); while they worked with my brook, they wrongly emailed us information what they should send to the brook with encryption(my GOD, what happen if they email our information to others?). The worst was, on the last day when we got the closing office, the close attorney said BOA had found errors on HUD, they were making changes and didn’t know how long it will take; 1 and ½ hours later, we had been told to be back to office at 4:30. We finished sign all papers and found they charged too much for escrow, that is not allowed. The attorney said the house was not completely closed and we couldn’t have keys. But you know BOA began to charge us interest from that day. The following week, the attorney office send email to BOA back-forth, finally we got the refund of escrow surcharge, but not even mention any interest.
While had this loan from BOA for the above investment house, we were doing refinance our primary residence from BOA via the same brook. BOA was our older lender, too. The ref. was delayed to the last day d on August11, somehow the funded on August 19 instead 16, I am not sure if we paid another extra 3 days interest, because when I received the escrow refund yesterday, I didn’t see any details. The refund toke them more than one month after I called couple of times.
BOA used to provide good service, what happened to them? I hope BOA top manager can read this email.

As a former Countrywide customer and now a Bank of America customer I have been told several times that my paperwork is not complete. Since July of 2010, I have resent the supposedly missing documents an additional three times to their fax number, with the appropriate loan number, attn: HOPE TEAM, and still they claim the hold-up is the paperwork not forth coming.
UNDERSTANDING that this is the problem, Since day one with a fed-EX tracing number they are claiming lost paper work included in the envelope. I asked what happens to the envelope with my documents, personal information, and bank account numbers, and every other kind of document asked for lost???? HOW.
The representative could not answer what happens to the envelope upon opening, if it is checked before tossing or if they shred the envelope. She did not have a clue; neither did the other three individuals I spoke too. I worked for Bank of America and the procedure use to be to retain all envelopes for 30 days then shred all the paperwork, but if a customer calls about missing documentation they would have someone go through the dated materials if it wasn’t shredded. I know what I sent them is accurate and I have done my due diligence.
Bank of America does not even contact me or e-mail, or send a letter to inform me that there was a problem, I am the one that has to do all the calling, waiting 45minutes or more to get a quick answer of wait 30 days, then 90 days and I will get a response. I am not the problem. I am beaten and about ready to go through a third party, “Mortgage Attorney”.
I had my hopes up when I had a message from Bank of America, but sadly it was one of their “Advisors” inquiring why I hadn’t sent my payment in. I explained about the problems I have been having and I get the rehearsed I’m sorry. I lost it!
If there is true representation in our government for all of us who are struggling in a declining job market, they need to have strong regulation for the mortgage and banking industry; accountability and fairness. This is our shelter, saved for, cared for and contributes beyond the banking industry’s profits. It houses human beings, pets, establishes community and its community is in need of real help, When anyone of us call’s Bank of America it should be I am happy to help you and mean it! Not the same old rehearsed lines (lies) that it is my fault and I don’t send the paperwork, when it has been sent.
Thanks for the opportunity to sound off!

BANK OF AMERICA SERVICE IS HORRIBLE WHEN IT COMES TO YOUR HOME LOAN THEY COULD ONLY SERVE YOU ONLY TO OPEN LOANS THE REST OF YOUR PROBLEM YHEY ARE NOT CONCERN ABOUT.
THEY GAVE PROCEEDED TO FORECLOUSE MY PROPERTY WHEN ALL ALONG I HAVE CAOLLED THEN TO MAKE ARRAGEMNETS THEY IGNORE THEIR CLIENT LEAVE YOU WAITING INTILL LINE IS DISCONETED AND IF IN THEIR BRANCH THE WONT DEAL WITH YOUR PROBLEMS LOAN OFFICE ARE ONLY THEIR TO OPEN ACCOUNTS I BEEN TRYING SINCE FEBRUARY INTILL NOW PROPERTY HAS BEEN PUT IN FORECLOSURE DUE TO SMALL AMOUNT THAT HAS GENERATED INTO A BIG AMOUNT DUE TO ALL THEIR GAMES AND IT HAS REACH A NO WINNING CITUATION.BECAUSE THEY WANT FORECLOUSURE AND THE PMI INSUARANCE.

We did not have our mortgage transferred to Bank of America by choice, it was sold. And I have hated it ever since. I tried to set up online banking, we were having some trouble keeping up on our payments (they were paid, just sometimes late). I tried to go online to make the payment and it said there was an error message, I had to call customer service. After being on hold at least 15 minutes, they said they had to transfer me to someone who handled website problems. I was on hold another 10 minutes, only to find someone who figured out that the website would not let me make late payments and I again had to be transferred to customer service to make the payment over the phone (god forbid they explain any of this on their website when they give you the message to begin with). I was on hold for over half an hour only to be charged a fee for making the payment over the phone.

On more than one occasion I have had to do this (not the issue that I'm focusing on) to be told by the customer service rep that there is a late fee I need to include in the payment. i have done that every time, only to consult my payments history a few months later and discover that none of those payments have been applied as a late fee, they've either been submitted to the principal or put down as a credit towards the next months payment. It took another 30-40 minutes on hold as well as talking to several different people (there was a $15.00 discrepancy and it took being transferred to a manager to find out that it was a fee for determining house occupancy). No one had an answer as to why I was told there were late payments when there weren't.

This last time I tried to make payments online only to discover an error message, yet again. I was on hold over 10 minutes to be told I needed to talk to someone in the website issues department. Transferred and on hold yet again to be told to clear out cookies/history and restart the browser. I did that, no effect and called (on hold yet again) to finally find out that if we are filing a ch13 bankruptcy, the customer service rep doesn't think we can make payments online, it has to be over the phone. (Fine, why couldn't it have said that on the website or had some sort of message the first rep could have seen when I called???)

Every time I call I have to speak to at least 3 different people to get a correct answer (and then it's always, "well, maybe it's this issue...") and I am on hold for over 30 minutes just trying to do something as simple as make a payment. Apparently because of our attempts to file ch13 bankruptcy we now can't even make payments online or even view the account history. I am especially peeved about being told there were late payments when in fact there weren't (because they were trying to get us caught up on payments). That in itself is only a few hundred dollars, but that's a few hundred dollars that I could have put towards another bill.

Frankly there's a part of me that's rather glad that we're trying to get the mortgage written down. I would never willingly do business with this company again. Oddly enough, having a credit card with them was much easier.

I was told back in November of 2009, that I qualified for Home Load Modification Program. So I had entered the program, since I was having a hardship. My hardship to BOA was that my my wife was involved in a major automobile accident and was not able to go to work for the last 2.5 years and still to this day can not find work due to the economy, and that one of my children was Autistic and I could not give my child the service she needed due yo money issues and I was having a hrad time managing on one salary.

Well I got my letter from BOA, indicating that I was accepted into the program and my first loan modification payment was due in January. Also I was told that I need to stay current with the new loan modification payment or I would be dropped from the program. Also, BOA told me that there are no fee's of any kind, while in the program. So in January, I made my first of 4 trail payment, by phoning in my payments each month as indicated by BOA. I sent in what ever documentation they requested, which was constant, since they had either loss, misplaced or said they never received documentation from me. I was always on top of BOA and made sure they got what documentation they needed. Now, I did see BOA start charging me late fees while in the loan modification program, in which they turn those fee's around, where I was not charged.

Anyway, in August, I got a letter from FedEx, telling me that I was denied because I was current with my loan modification payments. WELL IN JANUARY I WAS TOLD IF I WAS NOT CURRENT WITH MY LOAN MODIFICATION PAYMENTS, I WOULD BE DROPPED FROM THE PROGRAM, BUT IN AUGUST I AM BEING DROPPED FROM THE PROGRAM BECAUSE I AM CURRENT WITH MY LOAN MODIFICATION PAYMENTS. WHAT A MUCH OF HYPOCRITES.

I called BOA up and was told that I now owed them the difference from my loan modification and what my mortgage payment was for the last 8 moths, plus late fees, for a total of $150. I asked BOA if I could put this in the rear, put it on mt credit card and BOA told me NO. They wanted the money in my checking account and would not take payment any other way for the last 8 months plus late fees. I was never told that I would have to pay the difference between my loan mod and my mortgage and late fees, if I was denied. What a bunch of garbage. BOA told me to tap in to my 401K plan, sell my cars, borrow $$$$ from friend or relatives, sell my furniture, what ever it take to pay back the money I owe for the last 8 months. BOA said if I didn't come up with the money they would put me into foreclosure. Well I managed to scrap up the money some how, digging into food money and other things, but I still owe them the late fees. Also, I had spoken to several people at BOA about the above and got no place. When I asked for the BOA C/S person's name, they would only give there 1st name, no last name or extension. When I asked to speak to a manager, they refused to let me talk to a manager. Every person I spoke to at BOA gave me a different reason why I was denied, no one was on the same page, all different stories. BOA worker are incompetent.

Now that I am paying my regular mortgage and not in the loan modification program anymore. My salary every month goes to the bills only, with no food, gas, car repairs, clothing and etc... Its only a matter of time before I fall on my face and loose my house, thanks to BOA.

SHAM SHAM ON BANK OF AMERICA.
THE US GOVERMENT HELPED THEM OUT, BUT BANK OF AMERICA SCREWS THE LITTLE GUY OVER.
BANK OF AMERICA JUST WENT ALONG WITH THE GOVERMENT ON THIS PROGRAM AND HAD NO INTENTIONS OF HELPING PEOPLE OUT.
PEOPLE WHO WORK FOR BANK OF AMERICA ARE INCOMPETENT