In order to qualify for the home modification our loan had to be current and we must show a hardship. We were current and we submitted a hardship letter which they claimed they did not receive. We then sent a second hardship letter. We were then found not eligible for the loan because our payments were current. On appeal all documents required were faxed or sent in the fed ex envelope BOA sent us. We were then pre-approved and made payments of $688.90 from February 2011 to June 2011. More documents were requested and they were faxed to them. June 10th I received a letter requesting the last 2 months of bank statements showing my social security deposit.
Also to explain why my social security deposit is different from my award letter from social security. I mailed the original bank statements this time (as they claimed the first ones I sent were not legible although I could read them). I also enclosed Form SSA 1099 from social security showing the difference in the deposit and the statement were because taxes were taken out. These items were returned in the fed ex envelope sent to us with the letter requesting them from BOA. June 14th I received a letter that we are not eligible for the home modification with no explanation.
June15th I received a letter saying we were denied for non compliance. I called to ask exactly what did I not comply with. I was told I did not submit the required bank statements and social security discrepancy. I told him I sent them in in the fed ex envelope they sent us. When I told him that was a lie I was told they were not legible. I then asked how were the original documents not legible? I received no response. I was also told I am 4 months behind on my mortgage. Now I am $6200 behind on the mortgage and am being charged late fees for those month. This is also going to affect our credit rating.
All four of my children were diagnosed with Huntington’s disease in their mid 30’s.One daughter passed away two years, another daughter 6 months ago, another daughter 4 months ago and we have just been told my son has six months to live. All three girls were in their early forties and my son is 44. Only one had life insurance as once they were diagnosed they were unable to obtain it. My husband and I kept them home and took care of them 24/7. Bank of America has added to our emotional stress and also placed a financial burden on us by falsifying their home modification procedures and statements. We were constantly lied to and deceived and jerked around.
This has gone on for 6 months and I researched Bank of America Fraud and found the same policies and procedures are being carried out by Bank of America in many other states. Many are put in more debt forcing them to claim bankruptcy or foreclosure. I think it is a disgrace that a bank is doing this to customers who come to them for help. I am asking the attorney general to file a lawsuit against BOA. I have tried to be patient and I have done all that was asked of us and required to no avail. I have no other option but to make sure this is brought to the attention of other customers treated this way and to the Attorney General’s attention.
I have done all BOA has asked for, I have called 2-3 times a week and most of my calls were not returned. Now not only am I watching my son die but I have to worry about losing our house because BOA jerked us around for 6 months and put us behind on our mortgage which was current prior to applying for the modification. I am also going to obtain legal representation to file a lawsuit for the emotional stress and added financial burden Bank of America has caused us. I am sure there are a lot of others that will come forward with more similar stories once this is out in the open about the horror or their home loan modification with BOA. I have also contacted the Attorney General.
I have every single correspondence from BOA. I have receipts from every fax and #’s from the fed ex envelopes which documents were sent in. I also have copies of every single item sent to Bank of America. I documented dates, phone calls, phone numbers, names and conversations from the beginning of this ordeal. It is an absolute disgrace for a bank to do this to their customers and to us who have watched three of their children die in two and a half years and am now watching my last child die.