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  • Report:  #444157

Complaint Review: Bank Of America - Getzville New York

Reported By:
- Lincolnton, North Carolina,
Submitted:
Updated:

Bank Of America
2305 Millersport Hwy Getzville, 14068 New York, U.S.A.
Phone:
800-841-4000
Web:
N/A
Categories:
Tell us has your experience with this business or person been good? What's this?
In October 2008 we requested to use the December 2008 coupon in our payment booklet to defer the house payment. My husband called and spoke with a Tiffany who confirmed that we could skip the December payment and only have to pay 1/2 the mortgage due for November since we had an overpayment on the loan because we have always paid more than the payment amount due.

On 121808 I called this office again to "confirm" that we were in their system to skip as no paperwork had been received I was transferred to a Ms. Williams who totally denied any of the above and spoke in harsh tones indicating that I was past due for November and December. The only thing she kept saying was maybe you need to consider refinancing the loan?

We paid $300 for the November payment which is over half of the mortgage amount. Beginning in January we started getting nasty letters from this office (generic) mail with no ones name but just the BOA signature indicating we had breached our contract and were in default.

We followed up with them again and got nowhere but being transferred and put on hold. During this month (December) we contacted the offices of N.A.C.A. who we had been referred to for assistance and they suggested we let them assist us in getting our house payment reduced since I had been laid off the end of September and now was on unemployment. Mind you the house payment-mortgage has always been in my husband's name since he bought the house in 1993 and we didn't marry until 2005.

Treva Pitts the NACA spokesperson emailed us asking us to complete paperwork which we did and her office submitted a loan modification on 010909. Because of the time frame and after this President Obama implemented the Housing Remodification Act eff. 030409 we were advised to contact BOA once again and have them to review our loan for that program.

Bottom line - we were never behind but because of the coupon issue BOA made us get behind and as of to date we have yet to hear back from them regarding our request for a loan structure except that it was being reviewed. We continue to get letters saying we are being charged late fees. Another letter has come indicating a loan fee for property inspection is being charged against the account.

When we try calling their office in NY again we are put on hold. It now has been over 90 days since NACA submitted our application to them and 6 weeks since we sent them a separate request for a review under the OBAMA legislation.

I realize they are overwhelmed with thousands of borrowers wanting to refinance but had they not reneged on their original response to us concerning the December 2008 coupon none of this would ahve transpired. Now my husband's credit r

Lynne

Lincolnton, North Carolina

U.S.A.


10 Updates & Rebuttals

Karl

Highlands Ranch,
Colorado,
U.S.A.
PITT POEM...

#2Consumer Comment

Mon, April 20, 2009

is here for JEANSKI, & the rest of the world to read. Thank you. I'm Karl, and I approve this Update!


Karl

Highlands Ranch,
Colorado,
U.S.A.
PITT POEM...

#3Consumer Comment

Mon, April 20, 2009

is here for JEANSKI, & the rest of the world to read. Thank you. I'm Karl, and I approve this Update!


Karl

Highlands Ranch,
Colorado,
U.S.A.
PITT POEM...

#4Consumer Comment

Mon, April 20, 2009

is here for JEANSKI, & the rest of the world to read. Thank you. I'm Karl, and I approve this Update!


Karl

Highlands Ranch,
Colorado,
U.S.A.
PITT POEM...

#5Consumer Comment

Mon, April 20, 2009

is here for JEANSKI, & the rest of the world to read. Thank you. I'm Karl, and I approve this Update!


Pardel

Bernie,
Missouri,
U.S.A.
How distasteful!

#6Consumer Suggestion

Mon, April 20, 2009

This poster has made a legitimate complaint against Bank of America. She has every reason to be upset. Instead of trying to help her several of you come on this site and use her post as a fight arena! It is distasteful! Why not try being productive instead of destructive! Poster, I had a friend this same thing happened to recently. She was eventually able to re-finance but not before having her credit affected by BOA's incompetence!


Karl

Highlands Ranch,
Colorado,
U.S.A.
PITT POEM

#7Consumer Comment

Mon, April 20, 2009

PITT POEM Pitt's got children He's having fun Four-wheelers & dirt bikes Out in the sun! Angelina is happy Their kids don't fuss Eating organic food Like some of us. No screaming- no yelling Just a big ole smile Brad Pitt is happy Like Gomer Pyle! He's great in movies Can be a bit looney I liked 'Ocean's Eleven' Brad Pitt & Clooney. PITT POEM is over It makes me glad To see Mister Pitt One HAPPY DAD! End. 'Shiny HAPPY PEOPLE holding hands.' - R.E.M. 'Put it on the web where the future shines.' - R.E.M. 'The answer my friend, is right here on the web....the answers are right here on the web.' - Dylan


John

Califon,
New Jersey,
U.S.A.
What are you even talking about deadbeat? Why do you continue to lie on this site?

#8Consumer Comment

Mon, April 20, 2009

'They try to bash people who bring out the truth' >> We're still waiting for the proof of this false accusation. You must have it right? You, the proven liar wouldn't once again be making stuff up would you? 'Of course they bash people who bring out the truth about bank of america.' >> Post the proof deadbeat? There are a few questions people have wanted the answers to that you keep avoiding, They will again be at the end of this post. Answer them. 'This Is why they get away with bad business. This Is wrong.' >> YOU have never dealt with a 'bad business' so how would you know? 'This Is how big bad john does.' >> Yet, you can never provide the prof to this false claim making it yet another of your many lies. 'They try to bash the people who bring the truth out about these bad businesses.' >> Again, you can never provide the proof of this. Why do you continue to lie? Now, answer these simple questions: - How can you have a bank account if you have no money like you claim in all the collection reports you crap in? - How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in? - How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute? - How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim? - How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim? - Why did you get a cellphone you knew you couldn't afford when you have no money as you claim? - Why haven't you paid the people you have owed money to for a long time? - How can you afford a vehicle to go out and cause accidents in if you allegedly have no money? - How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report? - How can you be buying your panties and dresses off QVC if you have no money? - When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie? - When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies? - When are you finally going to answer the legitimate questions asked of you?


Charles

Phenix City,
Alabama,
U.S.A.
They try to bash people who bring out the truth

#9Consumer Comment

Mon, April 20, 2009

Of course they bash people who bring out the truth about bank of america. This Is why they get away with bad business. This Is wrong. This Is how big bad john does. They try to bash the people who bring the truth out about these bad businesses.


Jeanski

Hamburg,
New York,
U.S.A.
To Karl

#10Consumer Comment

Mon, April 20, 2009

Karl, again you have posted an irrelvant and totally useless post. Here's an honest-to-God ripoff and all you want to do is rail against the government. Again. Ad nauseum. I am, however, thankful that you didn't post another one of your stupid poems. If you don't have anything useful to say, stay off the board! To the OP: any chance you can get a lawyer interested in your cause? Sounds like you have the makings of a lawsuit, assuming you can document the coupon issue.


Karl

Highlands Ranch,
Colorado,
U.S.A.
Lynne, You must understand that it is MORE IMPORTANT that our......

#11Consumer Comment

Fri, April 17, 2009

government 'leaders' spend their time in regards to going to WAR in Afghanistan, than it is for them to HELP the American people, wouldn't you now agree? It's also more important that our government 'leaders' spend more time HELPING the banks, & the bankers, whose CEO's make 7 & 8 digit compensation packages, like Lloyd Blankfein of Goldman Sachs, & Vikram Pandit of Citigroup, & Ken Lewis of Bank of America, correct? These are the 'important' people in America, right? The banks, & the bankers, should be put FIRST, correct? They're MORE IMPORTANT, aren't they? Let's face it, without the banks, & these bankers, America would COLLAPSE, right? And since the 'PROSTITUTION RING' in Denver was shut down last year, these 'important' people need to be cared for, huh? Go to www.9news.com and type in- NEW WARRANT SERVED IN CONNECTION TO PROSTITUTION RING, and read it! Take a look at WHO some of the clients were!!! QUOTE: 'judges, lawyers, businessmen, athletes, and politicians.' THESE are the 'important' people in the USA!!! P.S. 'Google' this- SEN CRAIG LOSES APPEAL IN AIRPORT SEX STING CASE, and read it! 'Google' this- US PROSECUTOR SEEKS SEX WITH GIRL 5, and read it! I can go on, & on, & on, & on......................

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