- Report: #738846
Complaint Review: Bank of America - Internet
Reported By:
Kenneth & Melinda -
Rochelle, Illinois, USA
Submitted:
Updated:
-
Author Not Confirmed
Why?
Bank of America
Internet, United States of America
Phone:
Web:
www.bankofamerica.com/
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Bank of America - Veteran & Disabled Spouse to lose home, BOA Lack Professionals - Making Homes Affordable a BIG JOKE Internet
*Consumer Comment: Ken & Melinda, Try.....
*Consumer Comment: Encore presentation of- WHITE HOUSE POEM
*Consumer Comment: Just goes to show you
*Consumer Comment: DOUBLE DIP POEM
*Consumer Comment: DOUBLE DIP POEM 2
*Consumer Comment: Why are you giving us your childrens' names?
*Consumer Comment: Voiceofreason, Jesus was....
*Consumer Comment: TRIPLE-A POEM
*Consumer Comment: Please state any local, state, or federal laws being broken
*Consumer Comment: DOUBLE DIP POEM...
*Consumer Comment: BIG JOKE POEM
*Consumer Comment: Kenneth & Melinda,
*Consumer Comment: Kenneth & Melinda,
Our journey with Bank of America started way back in '09. Lets start with our home, we purchased it and moved in Nov 26, 2008. It was Dec 16, 2008 I fell ill and on Dec 22, 2008 I had emergency spine surgery to save my life from a staph infection. This had left me with incomplete quadriplegia. It was a total of 13 weeks inpatient with an addt'l spinal surgery that April.
At that time we had all 5 of our children at home. My oldest son is mentally disabled & needs 24 hr care, we had to find a home for him because of what had happened. Thankfully the state was able to expedite his funding and get him placed in a CILA residential home. He ended up 2 hrs away though. We then had our other 4 kids at home. Our oldest daughter Ashley, twins-April & Luke and Aimee our youngest. Luke as well has Asperger's Syndrome & Severe Anxiety Disorder. So before this happened we already had our plate full.
My husband Ken, had to take leave from his job as a driver for John Deere, as well as from his Navy Reserve duty. At the time no one knew what the outcome was going to be so we took it day by day. My husband had to run the household & drive 30 miles each way to be trained in my therapy & needs so he would be able to care for me at home. It was May when my husband found out his job was no longer available so he had to apply for unemployment.
We called BOA and asked about Making Homes Affordable, we were told we could apply but we needed to make our 6th pay't to be eligible. So we went ahead and did all the application process & we were told they had everything they needed and we would hear back after the review in 40 days. We made our final full payt out of our savings that June. We kept in close contact with BOA during this process & every time we called they would ask for all our financial's again even though our file was to be under review at the time. We asked about partial payt's and the woman at the other end says Oh Yes send whatever you can so they can see you are trying. The review went 40 days, then they said 90 days, they said they had been infiltrated with modifications so things were taking longer. We had sent our 3rd partial payt and soon after that it was returned to us saying they would not accept any partial payts. We were at 5 months and BOA tells us that they cannot help us with the loan because its a VA loan. It took them 5 months to figure out we had a VA loan.
They immediately filed for foreclosure. I immediately contacted everyone I could for assistance and that led us to a VA Loan Counselor named Silvia Cardenas out of Houston VA. She immediately took over & stopped the foreclosure proceedings and told us she could help. She also advised us (I have documentation on this) that BOA never contacted the VA before filing, they never asked about what could be done. We were told that there was a 12 month payt stipulation that VA would've waived if BOA just would've gone through the process properly with the VA. Silvia told us she was requesting our file from BOA and then she requested many forms to be filled out and signed. She also told us that BOA was limited on VA loans at that time because they were not able to offer HAMP. After a couple months Silvia came to us and told us VA could offer a 1 to 2% rate, longer term, a balloon payt to bring down our loan to 100K-at this time we were at a $158,000 loan, started at a 145K. She did tell us it would take some time so we continued to wait.
Then in Jan '10 she contacted us stating that BOA had contacted her & said that they were now able to do HAMP for VA loans and they wanted to try to modify our loan for us. So our file returned to BOA. We were not happy, we knew BOA was going to continue to drag this out. So then we received a call from a new person at BOA saying he was in charge of trying to get our loan taken care of. We told him about what the VA was going to do to help keep us in our home. We did all the repetitive paperwork, waited some then got the phone call. It was May '10 when this guy from BOA said that he came us with a new pay't of 969 instead of 1292. That was a savings but would not make it possible for us to remain in our home. He said that they were giving us a 2% rate but with all the late pay'ts and interest & costs it drove up our loan amt. They were ONLY offering a lower rate. We asked about all the options VA had mentioned, this guy laughs & says well were not going to do that, he also said that VA couldn't do any better than his offer. We told him we can't go with a pay't that we knew wasn't what we could afford & ultimately we would end up losing our home. We told him we had to go with VA since they were willing to do so much more to help us, he angerily said fine, you are denying my offer, then we will have to foreclose on you. We then contacted Silvia again, told her what they had done and how they lacked in offering anything like VA could.
So we were then in June '10 on another waiting game. It got to August and we received news of another foreclosure so we called Silvia right away. She had said that when she contacted BOA they had told her they had come up with a modification offer. So she thought we had it all taken care of. She immediately contacted the lawyers office , again, and stopped the proceedings stating the VA was taking over the loan. She emailed us on several occasions and had stated that BOA was not cooperating with her, she was waiting for them to get an appraisal done so she could proceed. Now we are going into 2011. It was Feb '11 when we got a call from someone completely new from the VA stating he was taking over for Silvia Cardenas. His name is Jeff Brown. He asks for all the new paperwork, we fax it immediately. Then he comes back in March and says that since Kens unemployment was coming to an end, they could not offer any kind of modification to us. They said we owed too much now over 34,000 and it made it impossible for anyone to assist. We then a couple weeks later received a letter stating that the VA suggested us to sell our home.
Now we have been working with the Teamsters out of Chicago since the summer of 2010. Elizabeth Belcaster had set out on a mission to get a crew together to come out a help fix/finish our necessary wheelchair modifications on our home. Well in March I had to contact her & tell her I was sorry babout all the hard work she had put into setting everything up but we were being told we were losing our home. She was very upset and said that we have to do something, we can't just lose your home. She took it upon herself to contact Senator Durbins office. Maria McElwain called us and said she was there to help. She contacted BOA and then the whole process started all over again. New paperwork & new people. Carol Fairchild from the Presidents office of BOA was in charge of walking us through this process. We were given a specific rep to work with, Tom Brockington.
We also had received a notice saying Kens unemployment had been extended. So now we have the income they thought we didn't and we had Senators office helping & the BOA Presidents office helping. We thought we were FINALLY getting somewhere. Well Tom calls us and tells us we need to have income, because as of 3 months ago BOA changed their guidelines and no longer accept unemployment as income. So here we go again. So much time wasted & still no resolution. Senators Durbins office, Maria McElwain says she is not a mortgage counselor and was only getting us in touch with the right people at BOA, that she could not offer any other assistance. Now we are back with waiting to hear from the VA, to see if there is anything they can do, now over 2 yrs since we first applied for Making Homes Affordable program.
Now my husband had to step down in the Navy after 11 yrs of service. Because he was my sole caregiver he could no longer drill on the weekends and had to sacrifice his retirement & go into IRR status. His job was no longer available because of not being able to be gone from 3:30 a.m. to 9 p.m. or overnight for driving. The ultimate solution would be for my spouse to be paid for being my 24hr nurse/caregiver but NO our state would only pay him if we were divorced. They also state that if he can do it & IS doing it then he doesn't need to be paid. We are also waiting for my husbands VA disability claim to come through for PTSD. He was diagnosed back in '06 when he returned from Iraq. Its been almost 12 months since he applied. I cannot receive SS because I was a stay at home mom and they wont go back past 10 years for me to draw, even though I started working at 16. I was not eligible for SSI because my husband was drawing unemployment.
We have had to do all our own home modifications just to get by-to make it doable. I still use a non-flushing commode as I have for 2 years. We had to tear down walls and header just to make it possible for me to move around the house without injury in my electric wheelchair. Back when Silvia told us she was waiting for an appraisal we knew we were in trouble because of the economy and our home would worth less automatically. More so because it was all tore up, so we had to take $ we had set aside and start fixing things up FAST before the appraisal. We also updated doors/light fixtures/water heater/furnace/remodeled a bathroom that was dated from the 70's. Our home was built in 1956 and it showed so we knew we had to do something or our appraisal would hurt us. Then in the long run they never did get the appraisal done.
We would like to know why this was allowed to take place? Why when we were completely eligible for a program to help us keep our home, that we are still under the threat of losing it. How do companies get away with this?? The delays were not ours, we did not ask for this. Where do they think a family, with a physically disabled mother, kids & a veteran go to when they take their home away, a shelter? Is the shelter going to be completely wheelchair accessible? Why can a family have such hardships thrown upon them & not be able to get any help?? Where do we go from here? Any suggestions???????? Please tell us???
Ken & Melinda
Rochelle, Illinois
13 Updates & Rebuttals
Karl
Highlands Ranch,Colorado,
United States
Kenneth & Melinda,
#2Consumer Comment
Sat, December 24, 2022
Please give us an update as to how you and your children are doing. Thank you, and Merry Christmas and God bless all of you!
P.S. Did you happen to see that the U.S. Government just included $45 Billion for Ukraine in the latest $1.66 Trillion Government funding bill that recently passed the Senate?
You can go to Bing and type in: US APPROVES PATRIOT MISSILES, NEW $45B AID PACKAGE FOR UKRAINE, and read the related articles on the web. It appears that the Wall Street Banking Cartel, which ultimately controls our government, decided to help Ukraine with missiles and money this Christmas.
WELCOME TO AMERICA- ONE BIG f**kING LIE THAT IS ULTIMATELY BEING CONTROLLED BY A CARTEL OF CORRUPT, GREEDY, EVIL, AND DIABOLICAL MEN WHO ARE BEING EXPOSED AND HUMILIATED EVERY DAY ON THE WORLDWIDE WEB IN POEMS AND IN SONGS THAT ARE ALL TRUE
Karl
Highlands Ranch,Colorado,
Kenneth & Melinda,
#3Consumer Comment
Wed, March 20, 2013
Please give us an update to your Ripoff Report when you have time.
P.S. Make sure to stay at this site and type in- SHAME SHAME BRIAN, and click on Ripoff Report #555030 and scroll down to Consumer Comment #31 and read it for important information. Good luck to both of you.
Karl
Highlands Ranch,Colorado,
USA
BIG JOKE POEM
#4Consumer Comment
Fri, November 18, 2011
BIG JOKE POEM
Oh my goodness gracious
Call Sally then text Trent
BOA's stock value
Lost eighty-nine percent
Investors must be mad
Some might be in tears
Eighty-nine percent was lost
In just the past five years
Bank stocks are declining
They'll soon go up in smoke
'Cause Wall Street is a big ol' lie
It's simply one big joke
I guess this poem's over
All banker goons should fry
Exposure is the answer
Expose and Occupy!
End.
Anyone can go to the CNNMoney website and type in Bank of America's stock symbol- BAC, and click on the five year chart to see that Bank of America's stock value has lost 89.16% in the past five years. The stock has gone from over $50 a share in 2006 to $5.79 a share, as of 12:24 PM EST on November 18, 2011.
Don't forget to type in 269041 at this site and go to 'Consumer Comment #3' at Ripoff Report #269041, entitled "Blame it on a Lawyer" and read what is stated in that consumer comment to learn more about stocks and the stock market.
Thank You
"Knowledge is power."
POWER TO THE PEOPLE
Karl
Highlands Ranch,Colorado,
USA
DOUBLE DIP POEM...
#5Consumer Comment
Sat, August 06, 2011
and "DOUBLE DIP POEM 2" are both available in the consumer comments section at this Ripoff Report.
***Please read this Ripoff Report and spread it all over the web at sites like Twitter & Facebook!
Thank You
***MORTGAGE ALERT: Don't forget to type in all of the following and read the Ripoff Reports for valuable information if you have a mortgage in the USA-
MERRILL LYNCH
GMAC
LITTON LOAN
COUNTRYWIDE
ONE WEST
PHH MORTGAGE
WELLS FARGO
CHASE
HAMP
MORTGAGE
Steven
Jacksonville,Florida,
U.S.A.
Please state any local, state, or federal laws being broken
#6Consumer Comment
Sat, August 06, 2011
There is no law against buying rights to a domain name and holding it. You evidently did it for a few years but could not pay to renew when the time came so somebody else grabbed it. You can either wait and try to snatch it up again or pay the 80 bucks to get it.
While you are shopping around consider buying some domain names with Obama or any of the potential Republican or Independents running and you can sell them off to whoever wants to buy them from you. Hillary Clinton did that last presidential election to try to keep people from bashing her campaign.
Karl
Highlands Ranch,Colorado,
USA
TRIPLE-A POEM
#7Consumer Comment
Sat, August 06, 2011
TRIPLE-A POEM
Triple-A status no longer
'Cause the U.S. is one big ol' lie
Forty-five million on food stamps
The innocent people now cry
Our leaders are liars and cheaters
Text Sally and Bobby and Ted
They work for the fraudsters and bankers
Bilderberg, IMF and the Fed
I guess that this poem is over
And I hope that you have a nice day
Stock markets will go a lot lower
Too much debt and no more Triple-A.
End.
Anyone can 'Google' this- U.S. NO LONGER TRIPLE-A: THE S&P DOWNGRADES, and read the related articles on the web.
Thank You
"Knowledge is power."
POWER TO THE PEOPLE
Karl
Highlands Ranch,Colorado,
USA
Voiceofreason, Jesus was....
#8Consumer Comment
Wed, August 03, 2011
set up by the ones who were in power in 33 AD. He was obviously a man who was against fraud, corruption, greed, trickery, and lies. The leaders of his day were no different from the majority of the leaders that we have right now. They, the Sanhedrin, set him up and put him on trial. (Very similar to what is taking place with Bradley Manning.) Jesus was obviously speaking out against all of the fraud and corruption that was taking place, and he was certainly exposing all of the corrupt leaders who controlled the government and the economy back in 33 AD.
It appears that Jesus was found guilty of his crimes (standing up for the people and what was right) and then he was crucified. The leaders of his day were known as the Sanhedrin.
If you 'Google' this- SANHEDRIN TRIAL OF JESUS- WIKIPEDIA, you can read more about it at that website.
Guess what?
The people who put Jesus on trial and asked that he be put to death were the Jewish leaders, correct? Remember, Jesus was also a Jew. Believe it or not, the Jews are in control of the banking system in the USA, Wall Street, and they also control (indirectly) the U.S. government and the governments of Europe.
That's why voicing complaints to the government is a waste of time. It's also why voicing complaints to other agencies in this country, like the SEC, is a waste of time. Our entire system in the USA is based on LIES. That's why the USA is collapsing. It's also why much of Europe is collapsing too.
You might want to 'Google' this- DOUGLAS REED- THE CONTROVERSY OF ZION- INDEX- SITE BY KNUD ERIKSEN, and click on 'Chapter 17', entitled- 'The Destructive Mission', and read the first two or three pages on the web. I believe that Jesus was mentioned on 'Page 106'.
Then click on 'Chapter 15', entitled- 'The Talmud And The Ghettoes' and read it at least three or four times, very slowly, until you understand it. Jesus was also mentioned in that chapter too.
P.S. Don't forget to 'Google' the following videos and watch them on the web to see who really controls the economy and the government of the USA-
1) WHO CONTROLS THE UNITED STATES ECONOMY BY MAJORITY 2010
2) WHO OWNS THE FED BANK, WHO CONTROLS WHO VIDEO
3) FRONTLINE: THE WARNING
4) FRONTLINE: INSIDE THE MELTDOWN
5) AMERICA: FREEDOM TO FASCISM
Thank You
voiceofreason
North Carolina,United States of America
Why are you giving us your childrens' names?
#9Consumer Comment
Wed, August 03, 2011
Please don't do things like that in a public forum like this. Number one, their names, and many of the medical and work/career/military details, just distract from the main problem at hand. Simply stating you fell behind and/or needed modification owing to medical catastrophe and unexpected sudden loss of income is enough. Going into extraneous detail only makes it look like you're shirkers looking for sympathy, or playing the patriot card to get out of a mess or shame the creditor. I accept that's not the case, but I'm advising you what you make it look like by doing this.
Worst of all, you compromise your family and childrens' security and privacy by giving us names. Why would you do this?
By now you must be aware of how useless it is to try and get hardship modifications from banks, especially BOA, which along with Wells Fargo are probably the most messed up disorganized and uncaring lenders out there.
Given your extenuating circumstances, I'd advise you to involve your congressman's office (maybe your other senator as well, but definitely the house rep), and up the pestering ante on Durbin's office. One of these reps needs to have staff talk to BOA themselves, not just fob contact info onto you. You can't shame BOA; they couldn't care less. Contact large law firms in your district and see if one won't at least look into this for you pro bono. Contact your local news stations in hopes some action reporter can move things for you. Ultimately, y'all need to be able to pay something to justify keeping the house. Can't expect to just live there rent free, so you have to have supportable numbers you know you can pay ready, for anyone who might be then able to step in on your behalf. I hope it all works out for you. Pray Jesus steps in and intervenes in someone's heart here.
Karl
Highlands Ranch,Colorado,
USA
DOUBLE DIP POEM 2
#10Consumer Comment
Wed, August 03, 2011
DOUBLE DIP POEM 2
Double dip approaching
Economy has stalled
Look at every stock market
Most of them have falled
Double dip is coming
People losing jobs
Politicians clueless
Most are lazy slobs
Double dip is certain
Economists don't know
The USA is one big lie
It's why things will not grow
I guess this poem's over
Double dip is near
Markets will keep falling
Because of all the fear.
End.
***ALERT: The economists in the United States of America (almost all of them) will continue to be wrong, in regards to the economy. Economists look at the numbers and the figures in order to make their projections about growth in the economy. However, these economists DO NOT see how these numbers and figures are attained. Here is how many of those numbers and figures are attained: they are attained by fraudulent, deceptive, and manipulative ways of doing business.
It is a fact that much of our economy in the USA relies heavily on fraud, deception, manipulation, trickery, deep corruption, and the constant pursuit to financially injure the innocent people living here and all over the world in order for many companies and corporations to attain their 'numbers' and 'figures'.
Thank You
WELCOME TO AMERICA- IN FRAUD WE TRUST
Karl
Highlands Ranch,Colorado,
USA
DOUBLE DIP POEM
#11Consumer Comment
Sat, June 11, 2011
DOUBLE DIP POEM
Oh my goodness gracious
Double dip is coming
Economy is slowing
Things no longer humming
Dow is getting weaker
People getting smart
Many realizing
Wall Street's one big fart
Guess this poem's over
Sell stocks when they're high
Everyone is in the know
Our system's one big lie.
End.
Anyone can stay at this site and type in 269041 and go to 'Consumer Comment #3' at Ripoff Report #269041 to learn more about Wall Street. That consumer comment was posted on August 21, 2007, which was thirteen months BEFORE the collapse of the banking system and the stock market crash. On September 29, 2008, the Dow Jones lost a record 777 points in one full day of trading.
Don't forget to 'Google' this- THE ASCENT OF MONEY PBS, and watch the episodes entitled- 'From Bullion to Bubbles' and 'Bonds of War' on the web.
"Knowledge is power."
POWER TO THE PEOPLE
Reyna
Hockley,Texas,
U.S.A.
Just goes to show you
#12Consumer Comment
Fri, June 10, 2011
Just go to show you what kind of country this has become that the Scumbag Bank of America has treated you like this, they have no compassion for human beings, just the almighty dollar which isn't worht much anyway. Your husband served our country and yet they say they can't help you, also goes to show you the government could care less about the men and women risking their lives for this country. America is going to hell in a handbasket.
Karl
Highlands Ranch,Colorado,
USA
Encore presentation of- WHITE HOUSE POEM
#13Consumer Comment
Fri, June 10, 2011
WHITE HOUSE POEM
There once was a house
Someone painted it white
But it was really a house
That didn't do what was right
It had many nice rooms
Had a beautiful lawn
Didn't do what was right
Kept on doing things wrong
The 'big-shots' who lived there
Slept on a very nice bed
They bowed down to their master
The ones at the FED
White House poem is over
Going shopping for food
Blame that 'house' on high prices
For gasoline and our food.
End.
"WHITE HOUSE POEM" was originally posted at this site on May 1, 2011. Just type in 724174 and it appears in the consumer comments section at Ripoff Report #724174.
Anyone can 'Google' this- WHO OWNS THE FED?, and go to the site with the 5 charts to see who really controls the U.S. government and Wall Street.
Don't forget to 'Google' this- WHO CONTROLS THE UNITED STATES ECONOMY BY MAJORITY 2010, and watch that video on the web for important information.
WELCOME TO THE WHITE HOUSE- WE'LL KEEP DOING WHAT OUR BOSSES AT THE FEDERAL RESERVE AND THE IMF TELL US TO DO BECAUSE THEY ARE BRILLIANT PEOPLE
Karl
Highlands Ranch,Colorado,
USA
Ken & Melinda, Try.....
#14Consumer Comment
Thu, June 09, 2011
mailing a copy of your Ripoff Report to all of the following and make sure that you attach your phone number and address-
PBS Newshour
CNNMoney
FRONTLINE PBS
Also mail a copy of your Ripoff Report to ALL of your Local News Stations in your city and put it to the attention of their 'Investigative Reporters'.
***IMPORTANT: Most people send things over the web via email. By mailing each of the above your story by way of the post office in a yellow manila envelope, your letter will get noticed and you'll have a better chance of someone responding to you.
Simply 'Google' all of the above and get their physical addresses.
P.S. Don't bother mailing a copy of your Ripoff Report to the White House. The ones who live there, and have lived there, do not care about the American people, in my opinion. They care about, and work for, the people who created this BIG mess that millions upon millions of Americans are suffering through.
Good luck to the both of you and keep us posted!
