Home Modification-Really?
Complaint
Getting Even
Country: United States
Bank of America said we did not qualify for a home modification 3 years ago although our income had reduced. Instead they offered to refinance for a $2000.00 fee. I asked for a 15 year mortgage. We received paperwork for a 30 yr. with no savings on interest and fees of $6000.00. We never signed anything and all I got was a voicemail to state we wanted a 15 year mortgage and that we had a good faith estimate of fees
of $2000. We received a message they would honor the fees but did nothing about the term.
Then we received a message that we had an appointment to close. WE NEVER signed anything to
expect a closing date because it was not what we wanted to pay for. I left a very defined message to say the least.
Recently we went again to try a home loan modification. Our payments were behind 45 days. Again we were told we did not qualify. I refused to leave any copies of our financial information. At that point it was none of their business.
The following day we received an Intent to Foreclose in the mail. With a balance due for one month at twice our mortgage payment. I was livid.
I made one payment, then another payment the same day. Then a week later I made another payment that placed us a month ahead.
We have since received letters, FED EX packages and and packets from a company called Titanium
Solutions and Bank of America that want us to give up our financial information with offers to help us through our tough financial times. No one at B of A branches could tell me who Titanium Solutions were. And I refused to give them any information when they started calling us.
We have a letter that says we now have a designated Customer Services representative so I asked her how I get a copy of our amortization schedule. She said she did not know what that was. That scared me. She is supposedly a Manager in the Home Loans, Home Modification and Debt Collections Department.
I am so done with B of A. So I made another payment that now puts us two months ahead and yet
to receive a payment statement. I just have receipts and copies of Cashiers checks.
So now, I am making it my mission to totally screw up their accounting. I will make $5, $10. up to $100. principal payments every other day until I can prove they are not worthy of handling our mortgage.
I will continue to collect all there BS paperwork and letters of intimidation to send copies
to FHA, HUD, the newspaper, attorney general, an attorney, and every other organization I can think of
to mess up there days as bad as they have messed with mine.
I can only hope I can prove that they use the US mail to fall into a felony offense punishable by imprisonment. Racketeering is a major no-no.
So B of A you might have our mortgage, but by the time I'm done, you may want to give it to another lender.
I have only begun to fight. And I am doing it by the book.
FOR ANYONE THAT HAS HAD ISSUE WITH B OF A AND THEIR HOME LOANS - I SUGGEST YOU START MAKING REGULAR AND SPORADIC PAYMENTS TOWARD PRINCIPAL SO THEY FEEL THE PAIN OF THEIR TRYING TO PUSH PEOPLE AROUND. EVERYONE CAN COME UP WITH $5.00
A WEEK OR MORE OFTEN TO MESS WITH THEM. BY LAW THEY HAVE TO ACCEPT AND APPLY
PRINCIPAL PAYMENTS. ALL YOU NEED IS YOUR ACCOUNT NUMBER.
HARASS BACK.
of $2000. We received a message they would honor the fees but did nothing about the term.
Then we received a message that we had an appointment to close. WE NEVER signed anything to
expect a closing date because it was not what we wanted to pay for. I left a very defined message to say the least.
Recently we went again to try a home loan modification. Our payments were behind 45 days. Again we were told we did not qualify. I refused to leave any copies of our financial information. At that point it was none of their business.
The following day we received an Intent to Foreclose in the mail. With a balance due for one month at twice our mortgage payment. I was livid.
I made one payment, then another payment the same day. Then a week later I made another payment that placed us a month ahead.
We have since received letters, FED EX packages and and packets from a company called Titanium
Solutions and Bank of America that want us to give up our financial information with offers to help us through our tough financial times. No one at B of A branches could tell me who Titanium Solutions were. And I refused to give them any information when they started calling us.
We have a letter that says we now have a designated Customer Services representative so I asked her how I get a copy of our amortization schedule. She said she did not know what that was. That scared me. She is supposedly a Manager in the Home Loans, Home Modification and Debt Collections Department.
I am so done with B of A. So I made another payment that now puts us two months ahead and yet
to receive a payment statement. I just have receipts and copies of Cashiers checks.
So now, I am making it my mission to totally screw up their accounting. I will make $5, $10. up to $100. principal payments every other day until I can prove they are not worthy of handling our mortgage.
I will continue to collect all there BS paperwork and letters of intimidation to send copies
to FHA, HUD, the newspaper, attorney general, an attorney, and every other organization I can think of
to mess up there days as bad as they have messed with mine.
I can only hope I can prove that they use the US mail to fall into a felony offense punishable by imprisonment. Racketeering is a major no-no.
So B of A you might have our mortgage, but by the time I'm done, you may want to give it to another lender.
I have only begun to fight. And I am doing it by the book.
FOR ANYONE THAT HAS HAD ISSUE WITH B OF A AND THEIR HOME LOANS - I SUGGEST YOU START MAKING REGULAR AND SPORADIC PAYMENTS TOWARD PRINCIPAL SO THEY FEEL THE PAIN OF THEIR TRYING TO PUSH PEOPLE AROUND. EVERYONE CAN COME UP WITH $5.00
A WEEK OR MORE OFTEN TO MESS WITH THEM. BY LAW THEY HAVE TO ACCEPT AND APPLY
PRINCIPAL PAYMENTS. ALL YOU NEED IS YOUR ACCOUNT NUMBER.
HARASS BACK.
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