Bank of America has Blatantly lied about documents and I have the SOLID PROOF. They even accused me of making up a delivery story and accused FEDERAL EXPRESS OF LYING ABOUT DELIVERED DOCUMENTS.
They have no morals and are acting in a criminal manner and should be penalized on a LARGE SCALE.
A small sampling of the abuses since the Countrywide Takeover of ALL MY LOANS given in one day - and yet they have acted illegal since the time of the takeover.(July 08) I was in already in a pre-modification arrangement - & awaiting the California Lawsuit details from the suit from the Attorney General of California against Countrywide. Immediately Bank of America took over they cancelled every progress I had made with Countrywide's Office of the President and pushed me into a foreclosure status on my loans (even though this was outside of CA. law and the settlement agreement from the DOJ).
They duped me and the investor on the ability to perform on the loans. They went outside of California's law and have been absolute tyrants ever since...not one week has passed without abuses occurring since JULY 2008, 2009, 2010, and still to this very day July 19th 2011. This is "insane".
Today they said I did not provide documents by the July 7th date on one of my scenario's - They sent a letter dated July 11th rec'd today July 19th.
The letter that they are stating this was derived June 22nd 2011 and arrived June 29th. I spoke to them July 1st, and left msgs 4X before the 7/7/11 date.
I faxed from a Bank of America branch by a branch manager on 7/6/2011 and also sent a federal express arriving the 7/7/2011 confirmed by FEDEX into their mailroom, and signed by an Bank employee. (ON Time).
Yet, when I called my pretender regulator (just a person in a dept that does nothing about regulations) who was recently assigned to my files in the New York Office I was told that this is 2nd negotiator to claim I didn't send my docs.
The previous time with this same regulator being assigned because of the mistake on the part of the Bank, was just last month and a similar arrangement occurred - I have full documentations of my sending 3X on last run around.
The New York Bank employee of BOFA continued to insult me at my core, stating and insuating I was lying because he had two negotiators saying same story. I reminded him I've been aware of more than two incompetent negotiators so this is not surprising to me, my biggest surprise was his tone, manner and demeaner to actually accuse me of not being truthful. I informed him that this is absolutely, "unacceptable" and the Bank has to stop giving excuses and blame that they need to be professional, courteous and accountable.
I informed him I actually have a branch mngr and a fed ex tracking with a signed signature of receipt he then attacked me on another level entirely, as well accused Federal Express of making up stories that they were also lying. I allowed him to retract his statement as obviously he is responding from the wrong place. I politely asked him to contact his supervisor, and the negotiators supervisor and get back to me on my latest concern and how they plan to rectify these neglects and abuses.
He attacked me on a more personal level stating as if my life should ONLY be focused on stopping everything, and gathering updated documents (Profit and Loss quarterly, annually, by a CPA only, bank statements, lease agreements, taxes, all copies of bills, including utility bills, a new hardship letter (each month), explanations of any rental income, REO Sheets, and then there packet of 7 page income and expense sheet, my income and expense sheet, my REO worksheet, their provided two page REO Sheet, a 4506 printed and signed (updated monthly), and several other documents: such as death certificate for my son, letter about my mailing address, a letter about a rental lease extensioin, a letter about contributions from anyone living in my home, a copy of all property taxes, homeowners, any liens, all statement copies (don't have them as the Bank does not send), copies of any previous lawsuits pertaining, and or agreements, and to provide all this within 14 days, but actually within 7 days as the letter takes 7 days to arrive and is always dated 7 days earlier, claiming all this should be more important than my work or making a living/income.
I reminded him last time I only focused on them "every day" I lost my income stream...and could not currently afford to follow their faulty lead of pushing me further into a distressing situation. I have had to turn down work orders just to allow time to jump through each and every hoop.
I have had over 98 foreclosure sale dates, 45 negotiators, 17 "Advocates" from Office of the President, Office of the CEO and President office, and been assigned from the Office of the Thrift 5X over supervisor, including the OCC Mistakenly dropping my file, causing me to reopen files as a constant part of my circle run which Bank of America has purposely put into place.
There is No Way Out of the Rat's Race. I've had 4 "regulators" from the President of Bank of America and not one of them could solve any one of my issues, nor does any negotiator return my calls.
The new agreement from the Governments Banking Regulators were signed in place as of April 15th 2011 (signed by the Board of Directors of Bank of America) to be fully enforced June 15th 2011 and this is not making a difference as BOA FAILS TO COMPLY TO ANY LAWS.
The Banking Regulators need to "do something" this is "unfair" business practices, harassment, degrading, humiliating, condesending, and immoral on the part of the Banks employee's all continuing to push me into the hamster cage wheel over and over again. This has been going on TOO LONG...Four Years too long.
I had an agreement from the Department of Justice in California, yet BofA did not keep the agreement and sent me back my money. I waited for 2 years for that agreement to materialize, then again Bank of America could care less if they followed the DOJ Court orders from the California Attorney General's office. Since we had a change of Office the New Attorney General has done nothing about my complaint. The only thing they do is send a copy of my letter to the Bank and ask the Bank to respond to them. The bank lies to them about the details and the Attorney General does not even respond to my complaint. This is another part of the entire scam occurring.
Countrywide needs to be sued, along with Bank of America and they won't leave me alone long enough for me to break out of this vicious cycle to find a reputable intelligent enough Attorney. Each Attorney I find only wants to fight for a modification, forget that they owe me more than just a modification. They took my down payment money, during the height March 2006' sent me numerous loans by mail in less than one week, even Angelo Mozilo admitted the same week these loans have no chance of performing. Knowing they set me up, stole my money and knew I had no chance of making it. This is total abuse to the borrowers and to the Investors.
Oh, and on top of all this, Bank of NY is my supposed trustee for my Investor, yet BoNY states they are not the trustee and are not handling this for any investor - as the Investors sued for "FRAUD" and are settlement agreements right now to get paid 8.5 Billion from Bank of America yet this was for a 270 Billion fund. In the meantime Bank of America states they are not and will not buy back the loan (as it' illegal as it is no longer a Trust Deed an in California makes my deed VOID), I have no real investor yet BOA is still trying to foreclose on me as if they have a right when they don't.
Bank of America is a danger to society. I am tired of the threats and the abuse. Countrywide caused a lot of my problems as they wrote so many loans, promising me rewrites if needed and then set me up for a fall.
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