prize money sent to boa but boa is demanding ten thousand just for transfering money to my account. I feel that this could be concidered blatant blackmail, or usery! There is no way that I should be charged a bogus fee unrequested. If you have any wish to help in this matter , email ,[email protected].

I like many other contacted Bank of America about the Home Affordability Program and was given the run around for months and finally was contacted by a representative about the program. I supplied some basic information over the phone and was told I would be contacted if I qualified. In June of 2009 I was sent a package requesting financial information to verify my earlier statements which I did immediately.<br />
For the next nine months I was either contacted by phone, letter, and Fed Ex mail for more information, continually stating they had not received the requested documents earlier. I called every time to verify receipt and was told the documents were received. I allowed representatives from Bank of America to drop in unannounced to verify I was living at the address. I allowed an unknown person with documentation that they were a representative from Bank of America, come to my home unannounced to take profit and loss statements from my business for Bank of America. I wrote letters, faxed and phoned trying to speak to my adjuster and was ALWAYS met by a representative that would take the message and tell me they would contact me.<br />
This went on for nine months and finally I received a package saying that my loan would be modified.<br />
Sounds good, doesn't it?<br />
The program works. <br />
WRONG!<br />
Bank of America lowered my interest rate .65% while adding on 9 months of the difference of my trial period payments to my original monthly payment and added it onto my original loan. That's right, if I accept their modification I owe them seven thousand dollars more than my original loan and my monthly payment is just fewer than sixty dollars less. I other words a qualification that was to take up to 45 days and my new payments once accepted would be my trial period payment or slightly higher took nine months for Bank of America to do their job while making seven thousand dollars from a client that was already experiencing financial hardship. The best part is not only is my "new" adjusted payment which is eight hundred dollars more than my trial period payment, it's due in seven days or Bank of America will seek all back money owed and immediately seek foreclosure. Also, this months trial period payment I have been given a grace period of 30 days to send that in. In sixty days I have to send Bank of America two house payments and a trial period payment.<br />
They got me!<br />
This is not how the plan was intended to work. This was not to be another way of Bank of America to make more money. They owe us, remember the bail out?<br />
What can be done? I am at a loss, just having received my acceptance into this great program.<br />
Any help would be greatly appreciated.

It's been Three Years and still working with THIS Bank !!
My life has changed every day waking up to worries. My husband is self employed three years ago we also became guardian of 2 of our grandchildren so as time went by I lost my job.
We got our trial papers that were higher then our regular payment!
As time went buy we had to file BK and now trying to Mod again...I truly believe we will loose our home of 14yrs with 2 grand kids & our 16yr old.
I am so tired of sale dates foreclosure and all the above!! Our trucking businesses is strong life moves forward!!
Thank all of you for allowing me to vent!!!
Hope the Best for us all!!

My problem with Bank of America is similar. after paying over half of the Principal off, BAC INCREASED our payment by $1870.28 to $3528.45. We found that they paid our taxes to the wrong county, city, and school district, in 2010. Then they paid our taxes TWICE in 2011, then they added the amount to our payment and want us to pay the taxes again through April of 2013!!! They are a fraud!!!
I will NEVER do business with this company again!
I received a recommendation to force an audit of our Escrow account by doing a Quiet Title Action . It will force an audit of the account. How to do this I do not know. I was also told to Demand an Audit of the Escrow account. In the meantime they have $8800 of our money in the Escrow and they will not be responsible to pay the taxes with it because we are paying off the mortgage. Then we will still have to pay the taxes for the next year! Lord help us all!!!