bank of america/countrywide

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Category: Business & Finances

Contact Information
6300 ridgeview, Clearlake, California, United States

Phone number: 3505783
[email protected]

bank of america/countrywide Reviews

Mike Romer November 16, 2009
Mortgage Renegotiation
Bank of America is trying to foreclose on my home but will not provide me any legal documentation dealing with my loan. I have called 4 times over the last 10 months asking for a copy of my mortgage and any other associated paperwork. They said it was sent but after months I never received it. I asked to know whom held my deed. After receiving many various stories, I was told by Mr. David Lindsey that they would only tell me if I wrote or faxed in a request for that information. I asked to speak with a manager. I was told by Mr. Lindsey that I could only speak with a manager if I wrote or faxed in a request for that information. I asked to file a complaint about the only way I could find out who held my deed/loan, file a complaint or speak to a manager was to send in a fax or written request. I was told by Mr. Lindsey that the only way I could file a complaint was if I wrote or faxed in a complaint. This is absurd!!! I have a hard time believing that I live in America anymore. Need I say more.
Alicia November 3, 2009
Modification / loan fraud
Oh good ol' BoA homeloans screwing me again. Surprise, surprsie! I have been working with Acorn (before they were busted) to submit an application for a modification on my 2 loans that BoA took over. I submitted an app to modify the loans in the middle of Aug. I was put on a "repayment plan" for 4 months (till dec) for the first loan and for the sencond a "forrbarence plan" for three months. I submitted all the correct paper work to acorn and they submitted it to BoA. So Aug 12th I received the documents to sign my life away and called the lady whos number is on the paper. Of course her number was no good, the extension was no good, and honestly I could not tell you if she has existed. I also submitted the app for the second loan and have that is going to be review for "modification" on Nov. 15th. The first loan was till dec where they would modify my loan for me to put both loans together and get me out of an interest only plan. Remind you that I did screw myself with this interest only plan but my mortgage broker also scammed me and ended up selling all my information to 3rd parties and all my CC info and bank statements... Countrywide didn't give me any help or even offer to help.
Now since I called today (11/03/09) to find out why my payments for my second loan were noy going to the right place, I was transfered3 times to three different people. Finally someone said I didn't qualify for the modification for my first. So I asked why. 3 More transfers and an hour and half on the phone I get this lady saying that I didn't qualify for a loan modification on my first loan because my debt-income ratio was to high...

Now wait... my debt-income ratio is to high so you won't modify my loan?..But my debt is MY MORTGAGE... it is 80 percent on my credit report...all mortgage.. But the reason why I have been waiting for 3 months is for them to help me with that to lower my interest rate and my payments...but I can't because I don't make enough money. So isn't that what a loan modification is for? Please correct me if I am wrong. So I asked why myself or acorn wasn't notified... I mean they didn't approve it and have known since AUG 31, 2009. That is 19 days after they received my paper work they said "not approved" but failed to tell me so I could go look for help somewhere else... I asked the lady... I told her that BS and that how dare they not notify me about it... BUT Wait! She said I could qualify for the make our homes affordable program! OH but thats funny because I didn't qualify before because Frannie Mae owned my mortgage bc I didn't put 20 percent down... Oh but now they need more information which they already have and I have to talk to one of their specialist because I look like I can qualify. I finally hung up... i had steam coming from my head I was so pissed.

Please don't think I don't make my payments bc I do and have on time for five years.. and since my father became sick with cancer and had to quit my second job to help with him my income went down... He finally passed 2 weeks ago but here I am asking for help from BoA and they screwed me again...this time with 3 months waiting. I am over it... don't know what to do and I am so tired of giving them my money. I love my house but 1500 bucks a month is nice change for me to keep instead of giving it to a giant corporation who abuses everything. I am exhausted with this and have been waiting for this to go through and in the end I am right back to where I started...
Oh reminder, I live in FL where my property value took a crap by 150k in a year. So both neighbors went in to foreclosure and my house is worth 100k less then what I owe so there is no hope in refi... what a joke. I never want to buy another house ever again.
If there is information on how to conquer these people we need to start now. They run us and that is not what it should be...we should be running them...

please let me know who I can Complain to (sailor mouth insert) ...
A
blaker1950 June 14, 2009
loan fraud intent to defraud onloans
bank of america is attempting fraud by purposley ignoring my loan mod submitted to them in dec 2008 and receiving it on feb.7 2009 this is confirmed.they continually claimed they had no one assigned to said modification and now after 6 months are threating forclosure.this sounds a lot like COUNTRYWIDE LOANS .they lied about 3'rd party contacts but when you talk to another rep they tell you its been escalated and is still in review and your rep from HOPE NOW LOAN MODIFICATIONS HASENT CONTACTED THEM.this seem to be a new way to defraud the public.IF this is bank of america's new way to make money then they all nee to be jailed from the top C.E.O. to the lowest clerk who CLAIMED to only be doing there job .THEY ALL KNOW RIGHT FROM WRONG AND IT ISNT IF THEY DIDNT KNOW EXALTY KNOW WHAT THEY WERE DOING. contact your reps in your state and file complaints of lies fraud theft . lets put these crooks behind bars.confiscate there gains.WHAT HAPPENED TO ZERO TOLERENCE ? IS IT ONLY FOR US WORKING PEOPLE?

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