Complaint Review: Bank of America - Internet Arizona

seems to be an appropriate poem for everyone to read on this date.

I guess I overlooked the obvious.

Google "Bank of America foreclosure lawsuits" ...as a start.

I did not mean to imply your advice was bad..but it seems like copy and pasted canned and generic. There is no point in suggesting to the OP in something as serious as this..to write a senator or congressman, when THEY are the ones trying to pass legislation to make these foreclosures even quicker and easier for the banks to conduct on a MASSIVE scale with NO accountability.

It is reality. And even though Obama did veto the last one..does not mean another could slip by and pass, perhaps hidden deep in the bowels of another bill. Oh..and writing the President will do no good either. I would think in all logic and reasoning, that our politicians are well aware that the American taxpayers and VOTERS do not want to be kick out of their homes. But apparently, they are not concerned too much about "these" voters.

So what else does one do in the good old US of A when you are wronged and NO ONE will help stop the powerful GIANTS?

Lawsuit comes to mind.

HAMPy-TARPy

If something works it works. Nowhere do I mention any Pay Pal scam, and my goal is not to sound smarter than anyone else in this site. My goal is to help people address their wrongs in the ways that are available to them. Nowhere do I lay claim to authorship like one would do in say a novel. With the suggestions (as Ronny g would say) I stand firm and the map of possibilities may even help people find a way to counteract the damage that is being done to them. Or address the wrongs that are being done them, once criminal acts (like usury), made legal by a now screwed up financial system that by design defrauds the poorest American people. This is my only true goal. If, as you maintain, this leads to a class action suit you may offer how the readers can begin this process since the information would be USEFUL. Thank you!

..but stop copying and pasting information from a WELL KNOWN SCAM site to offer as help to these victims of the foreclosure debacle.

Congress AND the SENATE have already attempted to quietly "sneak" through a bill, that would have made it even quicker, and easier, for the banks to foreclose on US taxpaying citizens homes. Obama vetoed it. This bill essentially, would have allowed them to "group bulk" foreclosures, without signatures, or reading over the paperwork...well kind of like they are already in the process of doing illegally in bulk.

The only thing that is going to stop this sad to say..is class action law suits...OR, if the banks decide to do the RIGHT thing on their own....which as history shows, is highly unlikely.

Defaulting on your mortgage to try to get the lender to lower the interest rate is very questionable from a legal standpoint, and certainly not advisable.  It doesn't sound like BofA did anything wrong here.  The lender is under no obligation whatsoever to negotiate with you; as soon as you default, they are free to start a foreclosure proceeding.  They probably felt that a loan mod was not likely to work out, given how far underwater the house is, or maybe they were just incompetent.  I'm not sure what the foreclosure fraud stuff has to do with anything, since you don't dispute having a loan from BofA/Countrywide. 

You should have had at least 3 months to resolve the matter with BofA, which is plenty of time to learn about how foreclosures work and how to stop them.  It's not the lender's responsibility to act as your attorney and to advise you on the options.  It's a little too late to try to find a lawyer, especially since it doesn't sound like the bank did anything even remotely wrong.

You cannot get your home back and this is a horrible reality to experience. You cannot trust anything that is not in paper in American business. This site has countless reports about people that were told one thing and then the actions of a company is not as instructed. I too have experienced this kind of action multiple times, and once I was screwed myself, actually quite a few times by big business! This needs to be reported and I hope the sources I mention moves you in the right direction concerning having your story told and finding restitution?

Contact Your United States Senators

Every state has two United States Senators. Senators are elected on a state wide basis and represent your entire state in Washington D.C.. Your United States Senators have enormous power and enormous influence. A simple letter or phone call from a U.S. Senator's office can move mountains. Every United States Senator has an office that deals with constituent complaints involving a number of issues -- every problem imaginable are handled by your United States Senators' office. Plus, they want to get re-elected and they serve their voters not the business.

http://www.senate.gov/

Contact Your United States Congressman/woman

Unlike Senators, your state has anywhere from one to over 50 United States Congressmen/women. In your congressional district, you have ONE United States Congressman/woman. Like Senators, members of Congress deal with a huge amount of voter problems -- you name the topic, and they can and will help you.

https://writerep.house.gov/writerep/welcome.shtml

Contact The United States Department of Justice

http://www.justice.gov/

Contact The Federal Trade Commission (FTC)

It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy. The FTC pursues vigorous and effective law enforcement; advances consumers interests...

This is the agency that companies fear.

http://www.ftc.gov/reports/index.shtm

Contact The Securities and Exchange Commission (SEC)

This agency regulate all companies that are trading stock publicly. They also are very concerned with companies who engage in fraudulent activity which might manipulate their stock price and give investors a false picture of the truth of a company's heath.

http://www.sec.gov/complaint.shtml

Contact The Internet Crime Complaint Center (IC3)

Report the offending company to this feared and effective government task force. Your aim here is to highlight the criminal and fraudulent nature of the companies activities. You must be able to detail how they wronged you and stole your money.

http://www.ic3.gov/complaint/default.aspx

Contact The Council of the Better Business Bureau

The Better Business Bureau is another group that many businesses need to answer to -- first it has enormous influence and second, many businesses are members. Since it is paid for by businesses it may not be as effective as the government agencies that are created to protect you.

http://www.bbb.org/

Contact The National Consumer Law Center

"The National Consumer Law Center (NCLC) is the nations consumer law expert, helping consumers, their advocates, and public policy makers use powerful and complex consumer laws on behalf of low-income and vulnerable Americans seeking economic justice.

Todays consumer marketplace is complex and full of potholes, even for those of us with all the necessary skills and advantages. For unsuspecting low-income consumers its far more treacherous - even the smallest misstep can lead to financial ruin and a sense of hopelessness that paralyzes individual progress."

http://www.nclc.org/

Contact The National White Collar Crime Center (NW3C)

They will help you with filing a complaint against the company showing you how to do it and provide other resources. White collar crime is a term coined for something that many businesses engage: it is fraud and outright theft committed by those wearing a white shirt and tie to work everyday.

http://www.nw3c.org/overview/what_we_do.cfm

YOU GOT THE CORPORATE FORECLOSURE FRAUD BLUES

Bank of America, Brian T. Moynihan, cashes your checks but Bank of America, Brian T. Moynihan, cannot correctly post your payments.

Bank of America, Impac Mortgage and Reconstruct Company, Steve Curry, Jason Curry, Reconstruct Company, Wendy McKnight, Tamara Brown, Kathleen Walker, Temena McGee, Michelle Langley, Ashley Stix, Brandon Coltin, and Brian Moynihan is illegally foreclosing on you, your family, your pets, your garage, your yard, your kitchen, your bedroom.

Last night you were depressed at their illegal foreclosure of your home,

so you called Lifeline, and each one of them.

Each time you got a call center in Pakistan.

You told each of them each you were suicidal over their illegal foreclosure of your home.

Bank of America, Tamara Brown, Kathleen Walker, Temena McGee, Michelle Langley, Ashley Stix, Brandon Coltin, and Brian T. Moynihan, Impac Mortgage, Steve Curry, Jason Curry, Reconstruct Company, and Wendy McKnight, each and every one of them, asked if you could drive a truck.

Lender, Fact Check Thyself. Dont just expect Americans to be ditto-heads and to just believe you.

       Beware Of Fraudulent Foreclosure Notices

(((Redacted)))

Good Guys Don't Have Degrees Of Integrity

(((Redacted)))

Be afraid.  Be very afraid.  You are more afraid, way more afraid of the lenders, Wall Street, these corporations, including NPR, and mortgage investors, than you ever were or are of the 9-11 terrorists.  For they, each and every one of these mega-corporations and their employees, is A Terrorist for Sure, even Terrorist Extraordinaire.

Youre way more afraid of these guys and gals Brian, Steve, Wendy, Bank of America, Reconstruct, Impac Mortgage, NPR, Zilow, BrooWaha and the rest of you clowns than we have ever been over 9-11.

All truth passes through three stages. First, it is ridiculed. Second, it is violently opposed. Third, it is accepted as being self-evident.  The truth about this recession is that it corporate executives bad decisions and fraudulent AND ILLEGAL behavior that created and maintains this Hell of a Recession.

NPR, Zillow, BrooWaha, Reo Gazette Journal among others, has and is willfully interfering with Free Speech in their public squares.  Its been clearly defined and addressed by the courts.  And THAT is just more sick, sad, disgusting, anti-American, anti-patriot behavior frightening as hell to us citizens.  It is a terror.

Terror is a state of intense fear, one or something that inspires fear, a frightening aspect terrors of invasion, a cause of anxiety, worry, an appalling person or thing. That's all very clear and straight forward to me in my continuing nightmare of terror with Terrorists Extraordinaire Bank of America and Impac Mortgage and Freedom of Speech interferences from the likes of hypocrite NPR, National Public Radio and BrooWahas Cease & Desist Tom Lewis, Sock Extraordinaire and Yapper Alan Handwerger, Who is Jack? Jack Bates, I Killed Broo Tony Berkman, CPA oops did I make a mistake that Charles Harmison caught, Im outta here John, and Along For The Ride But Now Wish I Really Wasnt Angie Alaniz.

Terror is EXACTLY how my family and feel from these home lenders and mortgage investors and the likes of NPR, Zillow, Reno Gazette Journal, and BrooWahas Free Speech Interference.  Got that Avarice Moguls Bank of America and Brian T. Moynihan AND IMPAC MORTGAGE AND STEVE CURRY AND NPR, ZILLOW, Reno Gazette Journal, AND BROOWAHA?  YOUR community, YOUR family and YOUR COUNTRY, hell most everyone YOU know these days, are more afraid, way more afraid of YOU AND YOUR CANT PROPERLY POST A PAYMENT THEN ILLEGALLY FORECLOSE ON YOUR HOMES WHILE ILLEGALLY REFUSING TO LET US TALK ABOUT IT than we ever were or remain over the 9-11 terrorists.

Were way more afraid of you guys and gals Brian, Steve, Wendy, Tony, Tom, Bank of America, Reconstruct, Impac Mortgage, NPR, ZILLOW, Reno Gazette Journal, BrooWaha and the rest of you clowns than we have ever been over 9-11.

you're thousands of miles away in India dancing with children, wouldn't you agree?

..he is a little busy. But I tried to google the steak dinner poem. Took me to some poetry page written by pre-schoolers.

I went through the same thing you did and i also mailed and faxed my report to President Obama,  and I never  heard from him.    Not a word from him.  He does not care neither. 

so he can see what's happening to people like yourself, correct?

..try 'googling' this.. "bank of america mortgage lawsuit", and read through a few.

I do not know if anything was left out of the report or not, and personally I would have continued to pay regardless of what anyone "told" me..but if you were willing and able to pay the mortgage and they took the home anyhow, I would think you have a legit case. Especially if you can prove any documents were forged by them.

   If I read your post correctly, you were perfectly able to make your mortgage payments, but you intentionally defaulted in order to try and get concessioins from the lender?   You're nuts. 

   Loan mods are for people who cannot afford to make the payments on their house and are at risk for forclosure.  

"If they can take your house they will"

  Not if you pay your mortgage.   Once you stop, your home is at risk.

  If they did not follow the law in the forclosure process, it's possible that an attorney can get you some money from the bank.   The problem is going to be finding a competent attorney that works cheap.  An unlikely combination.

along with Wall Street, and they even control the Mainstream Media.