This is what Bank of America did to me. We bought our home in December 2006. It is an older home and needed a lot of repair. They had an appraisal done and appraised the home at $105, 100.00. The was bought for $52, 000.00. Well we purchased our own home owners insurance and the insurance and the yearly taxes were escrowed into the payment of the home.

Our payments were $496.00. The next thing we know they sent a payment book in February 2008 with the payment amount of $2, 110.00 a month. We thought it ws a typo until we went to pay the payment. Well the had no explanation to why at the time. Well we checked into it further that they had not paid our insurance or taxes. They lapsed our insurance and force placed their insurance of $13, 000.00. That put our escrow out of whack by -$20, 000.00. Well we couldn't afford that. We tried to get more insurance and because we don't have a central heat and air unit and new siding on the house we can't get insurance. The home was built in 1920 and needs updates. The Florida commission said until we get these updates and due to the fact the back let our insurance lapse we won't be able to get new insurance. Well the home is in foreclosure. We have been to court twice now and the judge agreed there is a discrepancy on there part. The court both times we have went come out in our favor. The next day after court Bank of America hired SAFE-Loc to enter our home and change all of the locks on the doors. A week later they hird some other guy to cut the grass. They gave him the new keys to the home. First of all if he is cutting the grass why does he need to enter the home? Anyway he entered the home and started removing the contents that was still in the home. Well remember the judge has not awarded them the home. We went to the local sheriff's office and tried to get a No- Tresspass warrant to no avail. We have no lawyer cause we can't afford one and have been fighting this ourselves. We go back to court on November 5, 2008. I just hope that they fix our credit cause they have really messed it up. I hope they reward us either the home or they money we have paid into the home including the money used for remodeling. Something has to give.

bank of ameica is a great company to work however the management teams have created a system of destroying talent especially minority . most of their management project or plan is to target minority . Especially those banking center auditors are always targetting minorities ; he looks like this bank is against minorities something need to be done to stop it especially cambridge and west .

HELP - HELP - HELP

LOOKING FOR A LAW FIRM WILLING TO FIGHT FOR THE
WORKING FORCE THAT'S RIPPED OFF DAY TO DAY BY
THE BANKS.

I CALLED BANK OF AMERICA TODAY AN REQUESTED A RATE DECREASE AS I HAVE BEEN DISABLED FOR AWHILE. NOTE...I HAVE BEEN MAKING MY PAYMENTS ON TIME. I JUST WANTED TO GET THIS CARD PAID OFF...ANYWAY AFTER BEING PUT ON HOLD I WAS TOLD THAT THEY WERE CLOSING MY ACCOUNT ! I ASKED WHY AS I ONLY ASKED FOR A INTEREST RATE DECREASE.HE SAID SINCE MY INCOME WAS LESS NOW THEY WERE CLOSING IT...WOW...I WILL NEVER USE THIS COMPANY FOR ANYTHING...

I had a credit card in 2000 with Bank of America. I paid it off and ended the account, or so I thought. 7 years later I found that they had just placed negative info on my credit report. I called to investigate. They said 'You had a credit card with a $50 balance. You didn't pay.' I said 'I haven't had a card with B of A for years.' They said 'Our information is correct.' When you get a negative on your credit report it lasts 7-10 years. B of A waited 7 years to report their $50 non-payment, didn't bother to contact me. So now this will be on my credit for another 7 years. I certainly would have paid the $50 if I'd known about it.