I have excellent credit. After my husband passed away, it took me ten (10)
years to get the credit that I have today. I had BAC Home Loans, a division of Bank of America for my equity loan. Before BAC Home Loans, Bank
of America held the loan. They received it from LaSalle Bank. In late April, 2011 I received a letter from BAC Home
Loans and Bank of America telling me that my loan, yet again, is being transferred to one of its other Bank of
America divisions, GREENTREE SERVICING, LLC. As I pay my loan ahead in order to accelerate the payoff, I immediately felt a pang of doom. The last two times my loan was given over to another servicing agency I literally lost thousands of dollars because I pay ahead and the morons did not, could not

see their errors when transferring my
loan. Although I took the time to WRITE a complaint to the Office of the Comptroller whose job it is to go after the banks on the consumer's behalf, the Office of the Comptroller did NOTHING but tell me to continue to work it out
with the bank! (This country and its banking systems have gone to pot!!!)At least with BAC Home Loans I was able to go into my local Bank of America to pay my loan in person. I have been told that although Greentree is a division of Bank of America, I no longer can do
this. I received another letter yesterday, April 22, 2011 from Greentree. They do NOT have my correct
balance! They tell you NOT to pay Bank
of America, but they don't give you a

statement or coupon book to pay your loan! They tell you that if your payment is due AFTER 4/30/11 (aren't
most home loans due the first of the month???) to just send in your check with their new account number. I went
online to see if I could pay online because I pay EXACTLY every two weeks, but it is not bi-weekly, I make a FULL
payment each week, again to pay off the
loan quicker. There online server is

BROKEN! Additionally, if I want to pay
online, Greentree charges a fee of $12!!! Are they for real??? I pay ALL
my bills online and there is NOT A ONE
company that charges for online payments!!! Lastly, I went into my local Bank of America and spoke with the
manager there who knows me. She did not
know a thing about Greentree!!! I spent
45 minutes with her while she made several calls to Bank of America loan
servicing reps. One hung up on her! Another said he knew nothing. Then she
called Greentree and they would not talk
with her, told her to tell me to call!!!
And this is a manager from Bank of America calling--what will they do to me??? I have to figure out how long it

will take for Greentree to receive, then
post my payment or my account is going
to go to hell in a handbasket. Reading
up online, I hear terrible things about
Greentree including the fact that loans
are given over to them by default or bad
risk borrowers. I AM IN NO WAY IN DEFAULT OR A BAD RISK BORROWER--I HAVE
AN 880 FICO SCORE AND AM AFRAID GREENTREE WILL RUIN IT. I told the Bank

of America manager that I am sick and tired of having my loans changed out every few months and that the customer
should have a say in all of this. She

nodded her head. What else can she say?
Why is Bank of America sending loans
from excellent borrowers to a bad risk
servicing agent? This will look very
bad on my credit report. Thanks for
nothing Bank of America. I am so disgusted. I pay my bills and get
literally screwed. Others don't care, don't pay, and nothing happens to them.
This is indeed, America.