Consumer reviews and reports on scam companies, bad products and services
Bank of America Home Loans runaround, stealing money, ruining credit, false promises, rude and disrespectful, harassment, threats Simi Valley, Califo
28th of Jul, 2011 by User205988
I started trying to get a modification on my home loan by attending "Save the Dream" in Atlanta GA June 2010. After 3 days of hell they made me a great offer. Forebearance until Sept. 2010 and my payments reduced in half. How exciting. All was well until August 2010. Thats when I was served a foreclosure notice, one month before my first installment on the modification. I called their customer service every day trying to get the wrongful foreclosure stopped. Finally the Friday before the sale date I must have talked to the proper person as the sale was stopped at the last moment. Since that time they threaten me with foreclosure every month and until I made an extra payment they kept saying I was 3 months behind when I have made every payment on time since Sept 2010. It took 2 "qualified written request" letters to find out that they are adding charges onto my account monthly and charged me $900 for the foreclosure costs using my house payments therefore saying I did not make the payments. Also when I requested copies of my loan agreement they failed to include the modification agreement although my monthly statements have the modified payment amount I wonder about the amount of finance charge I am getting. Since figuring out they used my payments for their attorney I went ahead and paid one extra payment to get out of the foreclosure zone of three behind. Also I have received several letters stating my modification was denied and am locked out of my account online except tp tell them when I will pay the months they say I am behind(I already paid). I am really at my wits end after fighting them for over a year.

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