Bank of America Mortgage Complaint

Bank of America Mortgage department,

Home equity loan or line of credit Loan modification,collection,foreclosure Florida

Loan Modification for - - for - - - - - - - - - We started a loan modification process In - of - to adjust the HELOC monthly payment which went from interest only to full pay on short term ( from - $ to - $ ) We tried unsuccessfully before - but were told we were not delinquent we would not get a reply or have a chance to modify So I stopped payment and we got the requested documents finally. We had a phone interview in which was stated that we would qualify for a MODIFICATION. Our first contact was - -, who seemed unresponsive for 4 months after we supplied the documents requested, we were notified that - - was released and - - would continue the case in -. We had to start the process from start and resend the requested documentation, in this process sensitive documentation was lost-x while using a BOFA provided - envelope We continued using a Fax method we provided all requested documentation multiple times. During this as we were closing on 6 months now, we kept receiving calling call from foreclosure lawyers representing BOFA even though we were


I asked if they would continue the modification if I would pay the reinstatement amount, as the phone calls was very upsetting. They said yes that it would change nothing to the process in place. I paid the reinstatement amount on the exact day requested, - -. I send the Check with FedEx. Within 1 week I received a letter that the Modification is now closed due to : Not enough proof of income. And my account is currently not delinquent enough to qualify! Interesting enough that was not what I was told and that was a 7 months process that seems not very fair or represented properly. Why tell me to go ahead if there is no Modification attempt. This leads us to the next problem that I encountered. I called to complain about this process and also about the extra charges that are now being added to my Bill. I paid - -. I received my next bill and it is for the period - - to - -, According to Bank of America the amount I Paid on - - ( which changed on a weekly basis ) did not include any payment for -. Strange but assuming that could be correct I was wondering why there were additional charges of $910.00 that were past due? I managed to get a hold of the Escalation Manager - - - Phone number - He said he would verify this and make sure to get the phone recording of my conversations to verify if I was correct and get back to me within the week This was in - and I have not heard a single thing since, I called - in that span to the department and also left Multiple Voice mails on the direct line with my Cell phone number to contact me direct, as I want this resolved. In the process I have spoken to - -, - - - and several others who all have left notes for - - to return my calls. According to the log from BOFA he called several times but after verifying with my phone company I could only verify a call on - - - and then he called my old office number again not the requested cell phone. I can not imagine what the problem can be on a request this benign. There is nobody to go to besides - - as there is nobody higher in the department, and he is not responding no matter how many messages I leave. This is very disappointing to me and leaves me without choices. Who can help?? As this is been going on for 2 months and holding up my payments again I need somebody that can help me solve this payment as this is getting out of hand again, I have been trying to get an answer and a resolution