First off-I bought home in June-I have made all of my mortgage payments on time and have the check stubs online to prove this. I received a call from BAC Home Loans Servicing, LP Collections Department at 8:20 PM. I missed the call but promptly called it back when I realized it was BAC Home loans.

Once I reached a representative, she said that I was a payment behind. I explained no I was not, but she would not listen to me. She asked me if I was in WA and proceeded to give me HUD’s number. I explained that my Mortgage check went through Bank of America (also my bank) and was showing on the online banking as being cashed on Feb 7th. She tried to tell me that was the check for January and I owed 886. I said my mortgage payment has always been 847 so I dont understand this. Then she tried to tell me that the extra amount was due to late fees. I explained again that I have made my mortgage payment on time every single month. She started to read off the payments that I made starting with October 2010 and then she said that she only had a payment for January and that was what I was looking at online. Again, I explained that NO the payment online banking was the check I just sent on Feb 1st. ALL checks from the first one in August to the one in February were all online and I had them in front of me on the screen on the PC. Then she said if I want to dispute it I could call this number tomorrow.

I have always paid my mortgage on time. I’ve never been late and now this could show as a late payment. I realize many people are having financial problems and can’t pay and but its as if this rep just assumed I was one of those people and would not even look into it or listen to me.

Home loan was bought by BAC and I was in a trial payment for home loan modification and continued the payment with BAC I have been making that payment for 13 months now with no new information from BAC. AI get the same answer "it is still being reviewed". I have not recieved any paperwork from BAC since they took over. I do not even now who is actually servicing my loan. WHat do I do now?

I notice that I am not the only one to have this complaint. A year ago BAC Home Loans took over the mortgage on our property from Taylor Bean. In the past year, despite calls and letters, they have shown us to be a month behind... resulting in a ding on our credit report that has affected, adversely, our ability to get credit. They acknowledged problems with the transfer and told us it would never get on our credit report... but it has and they appear unwilling and unable to make this work! Every time you write or call, you get another person... VERY POOR excuse for a company!!! Now we have written a complaint to our state Auditor (Division of Banking) who has forwarded it to appropriate Federal agency for involvement. Does anyone know how to get legal action (service in local small claims court??) for damages?

BAC is crappy business... If you get involved with them, just be aware that they don't operate quickly or adequately... and don't care about how it ends up in terms of your credit.

Let's all turn them into the Better Business Bureau. I have had it. Have paid all payments and with the conversion from Countrywide they can't find 4 checks yet my bank shows they're all cashed. No numbers to call. People just keep calling asking for money, don't have any facts. My info has been in payment research and each time I call I'm on the phone for an hr with a simple statement, "we're still looking into it." Report them. It's a lengthy process but will help.