Bank of America Deceptive Modification Practices

I am a senior citizen who In November 2008 got a mortgage loan with country wide and the loan agent forged my signature on additional loan applications changing my 30yr. Fixed with payment amount $1480 to $2330 dollars after feeling pinched to make the payment BoA incurred the loan willing knowing after OCC report suspicious of fraud then BoA said I had the loan before they brought it from country wide an it’s not there problem and continuous to deny all modification request and when I write to them inquiring about the reason for the denial ….

I get no written response back. I have been in the review process for two years waiting to receive a Home Alternativ FORECLOSURE package after six months of waiting for it, I found out by getting a consumer advocate involved that the Home Alternative package was never sent out and my account went into the Foreclosure department. I never receive any information addressing me being declined or notice to accelerate the account, or even a notice of default. On February 6 2011 I received a debt collection letter from reconstrust, then the trustees sale notice came Foreclosure sell on June 6 2011.

If it had not being for the help of a four year college student help me by fighting the Foreclosure process I would be out of my home. Bank of America had denied me postponments and have schedule a sell date for 12/21/11 knowing that there is a discrepancy in the loans.



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