- Apr 12, 2011
- 884
- 1
- 81
I'm at the end of my rope with them. I've absolutely had it. And the worst part is, there's nothing I can do about it but bend over and keep taking it.
I had a mortgage that was bought by Countrywide and subsequently bought by Bank of America. I didnt choose BoA. Never once before BoA took over was I even a day late on a payment. 6 years.
Early last year, I noticed that my mortgage payment hadnt been deducted from my bank account. I had auto withdrawal set up. I cqlled BoA and they told me that it had been posted, it was clear from their end, that I should talk to my bank.
I did. Nothing. My bank said nothing had been taken out and they couldnt see anything pending, but that BoA could still pull it at any time. I called BoA back, they said payment had been posted, etc. and that everything was fine.
So, no real answers. I assumed based on what I was told by BoA that the payment would be pulled shortly. I called back the next week, since it hadnt been, and BoA once again told me I was current, the last paytment had been posted, etc. Well, I should have taken the money out of my bank account and sent it to BoA, however I still didnt know if/when that payment would be pulled from my account, and cant afford to pay them double.
This happens the next 2 months. I kept begging them to take their money, but explained to them that if there was a chance they were going to pull it on their own, I couldnt send them a check, so they NEEDED to do the withdrawal.
Next thing I know, I get a foreclosure notice in the mail. Someone finally figured out they hadnt been withdrawing their payments, which I had been trying to tell them for months.
Well now of course they want all the payments, PLUS late fees and lawyer fees. I have no problem making the payments, but late fees and lawyer fees, nope, I cant afford 'em. So they tell us to apply for a modification, etc. Anyway, long story short, we were in foreclosure for a long time. I finally bent over, took a deep breath, made a withdrawal from my 403 (b), and paid them the extra fees just so I wouldnt lose the house. Of course, my credit is so screwed from this, I cant refinance, so I am stuck with BoA. Needless to say, I hate them with a passion after all this. However, we're all current, have been for the last 6 months. No screwups.
Friday - they call me claiming I owe them money. Nope. Not a chance. We're current. Well, no, actually, because they DIDNT TAKE THE FULL AMOUNT of the last phone payment. We had a confirmation number, had the lady's name I talked to written down, etc, but no. They took a measly $60 less than what they were supposed to, than what we agreed upon and I told them very, very clearly, and now I've got another late mark on my credit.
They tried to get a late fee and a $20 phone fee from me, too. I told them no. I absolutely blew my top and told them I wasnt paying one red cent for their screw-up. After screaming at one dickhead and then getting a supervisor on the phone who was willing to actually HEAR what I said, they waived them. I'm at the end of my rope with this BS. I want to make them pay but cant, and I know they do this to THOUSANDS of people.
I had a mortgage that was bought by Countrywide and subsequently bought by Bank of America. I didnt choose BoA. Never once before BoA took over was I even a day late on a payment. 6 years.
Early last year, I noticed that my mortgage payment hadnt been deducted from my bank account. I had auto withdrawal set up. I cqlled BoA and they told me that it had been posted, it was clear from their end, that I should talk to my bank.
I did. Nothing. My bank said nothing had been taken out and they couldnt see anything pending, but that BoA could still pull it at any time. I called BoA back, they said payment had been posted, etc. and that everything was fine.
So, no real answers. I assumed based on what I was told by BoA that the payment would be pulled shortly. I called back the next week, since it hadnt been, and BoA once again told me I was current, the last paytment had been posted, etc. Well, I should have taken the money out of my bank account and sent it to BoA, however I still didnt know if/when that payment would be pulled from my account, and cant afford to pay them double.
This happens the next 2 months. I kept begging them to take their money, but explained to them that if there was a chance they were going to pull it on their own, I couldnt send them a check, so they NEEDED to do the withdrawal.
Next thing I know, I get a foreclosure notice in the mail. Someone finally figured out they hadnt been withdrawing their payments, which I had been trying to tell them for months.
Well now of course they want all the payments, PLUS late fees and lawyer fees. I have no problem making the payments, but late fees and lawyer fees, nope, I cant afford 'em. So they tell us to apply for a modification, etc. Anyway, long story short, we were in foreclosure for a long time. I finally bent over, took a deep breath, made a withdrawal from my 403 (b), and paid them the extra fees just so I wouldnt lose the house. Of course, my credit is so screwed from this, I cant refinance, so I am stuck with BoA. Needless to say, I hate them with a passion after all this. However, we're all current, have been for the last 6 months. No screwups.
Friday - they call me claiming I owe them money. Nope. Not a chance. We're current. Well, no, actually, because they DIDNT TAKE THE FULL AMOUNT of the last phone payment. We had a confirmation number, had the lady's name I talked to written down, etc, but no. They took a measly $60 less than what they were supposed to, than what we agreed upon and I told them very, very clearly, and now I've got another late mark on my credit.
They tried to get a late fee and a $20 phone fee from me, too. I told them no. I absolutely blew my top and told them I wasnt paying one red cent for their screw-up. After screaming at one dickhead and then getting a supervisor on the phone who was willing to actually HEAR what I said, they waived them. I'm at the end of my rope with this BS. I want to make them pay but cant, and I know they do this to THOUSANDS of people.
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