#1 Consumer Comment
AUTHOR: Ken - (USA)
SUBMITTED: Tuesday, December 20, 2011
POSTED: Tuesday, December 20, 2011
I can't seem to figure out what BOA did wrong.
How are they crooks?
Did you report their dishonest actions to Colorado's banking commissioner?
How is it their fault you can't pay the mortgage?
What, in your opinion, should have happened?
You would find that any other financial institution would take the same position.
#2 Consumer Comment
AUTHOR: Robert - Irvine (U.S.A.)
SUBMITTED: Tuesday, December 20, 2011
POSTED: Tuesday, December 20, 2011
Why did BofA get the "shaft"?
You were declaring Bankruptcy so what other bills did you HAVE to pay? Why didn't you make your full payment to BofA and make the other companies get the short end of the stick instead? Your house should be priority one in getting the payments made. As much as you may not want to hear this but if even after BK you can't afford your full house payments it may be time to cut your losses and let the house go.
#3 Update By Author
AUTHOR: Cris - Brighton (United States of America)
SUBMITTED: Tuesday, December 20, 2011
POSTED: Tuesday, December 20, 2011
Have you checked to see how many complaints that Bank of America have and the suits that are being filed against them? They are the only bank that I know that will not take partial payments. Most banks are usually more lienant with their customers, especially now. They don't want these houses that are sitting empty because they have to pay taxes on them. My sister has worked for backs for 23 years and thius is the first bank that she knows of that does this. My daughter also tried to explain our situation to Bank of America and contacted a gentleman that said that what BOC is wrong and this was an employee. So, yes they are crooks, and I hope that they get their dues, which they will in the long run. People are srambling to get out from under their thumb. Ask anyone that has dealt with BOC.
cbuntin
#4 Consumer Comment
AUTHOR: Ken - (USA)
SUBMITTED: Tuesday, December 20, 2011
POSTED: Tuesday, December 20, 2011
bankruptcyAUTHOR: Cris - Brighton (United States of America)SUBMITTED: Tuesday, December 20, 2011POSTED: Tuesday, December 20, 2011
"Have you checked to see how many complaints that Bank of America have and the suits that are being filed against them? They are the only bank that I know that will not take partial payments. Most banks are usually more lienant with their customers, especially now. They don't want these houses that are sitting empty because they have to pay taxes on them. My sister has worked for backs for 23 years and thius is the first bank that she knows of that does this. My daughter also tried to explain our situation to Bank of America and contacted a gentleman that said that what BOC is wrong and this was an employee. So, yes they are crooks, and I hope that they get their dues, which they will in the long run. People are srambling to get out from under their thumb. Ask anyone that has dealt with BOC. "
How many banks have you surveyed/dealt with to know this for a fact?
Because their perfectly legal practices don't coincide with your opinion/situation you call them crooks?
Nice of you to involve your sister and daughter in this, but what the policies are of the bank(s) your sister has worked for has nothing to do with BOA. This policy does NOT make them crooks.
And no, I don't work for them or even care much for them, but YOU as usual, are WRONG.
You need to get a middle schooler to help you understand this. Are you the one claiming a PhD? Or is it two, wait three, masters degrees? Oh yeah and a year of law school.
#5 Consumer Comment
AUTHOR: Jim S - Anaheim (United States of America)
SUBMITTED: Tuesday, December 20, 2011
POSTED: Tuesday, December 20, 2011
Not even lawsuits mean a whole lot. There are a lot of banks that won't take partial payments, or they'll take partials and you still lose the house. So taking partial payments really doesn't mean anything here either. What you still haven't done is point out just what exactly did they do wrong, and from your own writing, the bank did exactly as they should have.
If anything, I place more blame on your bankruptcy attorney than the bank. The BK attorney should have gone to the bank and basically said, "look, you either modify the loan, or we're going to discharge the debt in bankruptcy! It doesn't matter how behind my client is..." That act should wake up the bank...somewhat...and get some action more favorable to you. If your attorney is a nice guy, you picked the wrong attorney. You needed a jackass to negotiate for you..... I mean technically the attorney did not do anything wrong, just needed to be more on the offensive for you....
#6 Consumer Comment
AUTHOR: coast - (USA)
SUBMITTED: Tuesday, December 20, 2011
POSTED: Tuesday, December 20, 2011
I certainly understand that you are having a tough time but your accusation that they are crooks is a lie. You should be ashamed.
#7 Consumer Comment
AUTHOR: Robert - Irvine (U.S.A.)
SUBMITTED: Tuesday, December 20, 2011
POSTED: Wednesday, December 21, 2011
What bills did you HAVE to pay that were more important than your house payment?
Have you checked to see how many complaints that Bank of America have and the suits that are being filed against them?
- What's that have to do with your situation? NOTHING...
They are the only bank that I know that will not take partial payments.
- Then you don't know a lot of banks because there are several that won't, and I am even aware of banks that will take partial payments but still foreclose on the house. Don't believe me then just search this site for other banks and see for yourself.
#8 Consumer Comment
AUTHOR: TruthSayer - Montgomery (USA)
SUBMITTED: Wednesday, December 21, 2011
POSTED: Wednesday, December 21, 2011
Chris, you have admitted to lying on here so many times that it is now difficult to believe anything you say. Give it up. No one is going to believe you.
#9 Update By Author
AUTHOR: Cris - Brighton (United States of America)
SUBMITTED: Wednesday, January 11, 2012
POSTED: Wednesday, January 11, 2012
This is an update for all of you that are big supporters of this Bank. We sent them a 2000.00 Western Union on the 28th of Dec. Guess what, they lost it. So for you that gave me a hard time about this lousy bank. DEAL with IT! But, there is a good part in all of this, we have the proof that it was sent, they don't. I hate that freakin' bank with every part of my being. I'm not alone, read what others have to say. They forclosed on one gentleman and his family after they were paid, they found his money 2 and a half years later and had to give back the entire amount. Poor babies!
You are all idiots who support this bank and as soon as we can find a way out, we will be rid of them once and for all.
Sincerely;
the one that had rude remarks and comments to me.
#10 Update By Author
AUTHOR: Cris - Brighton (USA)
SUBMITTED: Sunday, January 22, 2012
POSTED: Sunday, January 22, 2012
We sent 2000.00 to Bank of America on Dec 28th, 2011. We sent it by Western Union, we have a confirmation number that this lousy bank received it but, they can't find it. So for all of you that thought I was wrong about the complaint, you must not have an account of any kind with this crappy bank. They have one of the worst reputations in the US. We didn't decide to go with this bank, we had CountryWide. They were bought out by this incompetant bank. If we could refinance with someone else, we would, but, because they can't find our 2000.00, they say that they may have to foreclose. We are now in the process of filing bankruptcy. They can have this 1986 broken down manufactured house. Hope they have fun. I hate Bank of America and if there is any lawsuits in Colorado going, I'd really like to know
Cris
#11 Update By Author
AUTHOR: Cris - Brighton (USA)
SUBMITTED: Sunday, January 22, 2012
POSTED: Sunday, January 22, 2012
They have 2000.00 of our money that they can't find even though we have a confirmation number that they received it. By the way, if you look, How many complaints do they have for unfair practices, actually illegal practices. You are the one the delusional!
Cris
#12 Consumer Comment
AUTHOR: coast - (USA)
SUBMITTED: Sunday, January 22, 2012
POSTED: Sunday, January 22, 2012
Instead of using Western Union, why didn't you take the payment to one of the 50 BofA locations within 13 miles of Brighton to save your home?
#13 Update By Author
AUTHOR: Cris - Brighton (USA)
SUBMITTED: Monday, January 23, 2012
POSTED: Monday, January 23, 2012
After sending them 2000.00. They should find our blasted money, don't you think? But no, they still haven't found it. Our bankruptcy attorney says that it's a proven fact that they are one of the most dishonest banks in the country. Loosing our 2000.00, well, we're not alone. They are crooks, in the worst way. We are caught up on our mortgage payments, all they need to do is find our money which they are so incompetant that they probably won't because they don't have the brains for it. They are idiots. If that's what it takes, maybe I should apply there. No maybe not, I seems to know how to track a confirmation number which we received, proof, by the way, that they received it.
Cris
#14 Update By Author
AUTHOR: Cris - Brighton (USA)
SUBMITTED: Monday, January 23, 2012
POSTED: Monday, January 23, 2012
No, hon, maybe you should. When you have an attorney telling you that they are one of the most dishonest banks in the country, then what more needs to be said? They are crooks and they know it. They think that they can do this and get away with it like they have been doing for years. You need to check their status for yourself. How many complaints do they have just on Rip Off? How many do you think they have elsewhere. Why do you think there are class action lawsuits going on all over the country with just this bank? You are the one that needs a lesson from a middle schooler, I already have one, thanks. By the way how would you like me to feel after paying them 2000.00 of which they proceeded to loose. We have proof that it was sent and the confirmation number that they received but nope, they cabn't find it. So try and take this house, it's a 1986 manufactured home that is falling apart anyway and our property values are under water. So they should have a lot of fun trying, shouldn't they? It's people like you that irritate the heck out of me. You have no idea what other people have had to go through nor do you give a ----- but that's okay. It's people like you that get their's in the end.
cbuntin
#15 Update By Author
AUTHOR: Cris - Brighton (USA)
SUBMITTED: Monday, January 23, 2012
POSTED: Monday, January 23, 2012
Ashamed. No,I'm not. They just lost 2000.00 of our money that we sent them on the 28th of Dec. We have proof that it was sent and a confirmation number that they received it. THEY can't find it. So yes, even our attornies say that they are one of the most dishonest banks in the country. So sorry, but I'm no ashamed of one darn thing.
cbuntin
#16 Update By Author
AUTHOR: Cris - Brighton (USA)
SUBMITTED: Monday, January 23, 2012
POSTED: Monday, January 23, 2012
Exactly what have I lied about? I'd like to know. You're a freaking jerk anyway and no one gives a hoot what you think. I know that I don't. I'm a liar huh? I'm not the one that's full of it, you are.
#17 Consumer Comment
AUTHOR: Robert - Irvine (U.S.A.)
SUBMITTED: Monday, January 23, 2012
POSTED: Monday, January 23, 2012
I am still waiting to find out what bills were more important than your house payments.
I also wonder how you went from you FILED Bankruptcy in your original post to you are FILING Bankruptcy in your later posts. That is a BIG difference.
You are not only answering that question, you post things that I don't even realize how funny you are in posting them.
We didn't decide to go with this bank, we had CountryWide. They were bought out by this incompetant bank.
- So do you know why Countrywide "bought out"...umm "failed"? Well while people have written entire books on the subject, but here is the reason in one basic point. They financed Mortgages to people who in no way, shape, or form should have ever gotten a Mortgage in the amount that they were approved for. They did this by using what could be considered as questionable "Mortgage Products", such as Interest Only, 100%+ financing(meaning they would loan you something like $125,000 on a house that was only worth $100,000), or ARM's loans
Perhaps you were one of these people...
#18 Update By Author
AUTHOR: Cris - Brighton (USA)
SUBMITTED: Sunday, January 29, 2012
POSTED: Sunday, January 29, 2012
To all of you. Bank of America lost 2000.00 of our money. It was transfered to Florida. The Florida Branch help onto it since the 28th oif Dec. Western Union had to go through the trouble to call them. It was finally sent back to Western Union and then transfered back to Texas which is where it was supposed to go in the first place. Bank of America really doesn't talk to each other now do they? Texas sends it to Florida , Florida has to transfer it back to Western Union and Western Union has to retransfer it back to Texas. They are a freakin joke. The rest of you that have all these nice, snide remarks about me either work for a bank, which by the way are going under in a few years. Most people are using the Credit Unions because they are safer and more reliable. Next, this is my daughter account, so for those who complained about me bringing my daughter and sister into this have no idea what you are talking about so keep your mouths shut. You think you know more then you actually do. So with that said, you know where you can go. Have fun there.
Cbuntin
#19 Consumer Comment
AUTHOR: Karl - Highlands Ranch (USA)
SUBMITTED: Sunday, January 29, 2012
POSTED: Sunday, January 29, 2012
Feel free to send a copy of your Ripoff Report to 9NEWS in Denver.
You can 'Google' this- 9WANTS TO KNOW STARTS WEEK-LONG PUSH TO HELP HOMEOWNERS, and watch that video and read the article on the web.
Maybe one of the Investigative Reporters will contact you and help you.
Good luck to you & your daughter.
***NATIONWIDE MORTGAGE ALERT: Make sure to 'Google' the following five videos and watch them on the web for important information if you have a mortgage in the USA-
1) INDYMAC BOYS GET SWEETHEART DEAL
2) THE NEXT HOUSING SHOCK
3) COUNTRYWIDE WHISTLEBLOWER REPORTS LIAR LOANS
4) ELIZABETH WARREN GRILLS GEITHNER, CRITICIZES TREASURY'S FORECLOSURE PROGRAM PBS
5) MOYERS & COMPANY: HOW BIG BANKS ARE REWRITING THE RULES OF OUR ECONOMY
Don't forget to 'Google' and watch the following video to see who some of these banks and bankers are-
WHO CONTROLS THE UNITED STATES ECONOMY BY MAJORITY 2010
Thank You
#20 Update By Author
AUTHOR: Cris - Brighton (USA)
SUBMITTED: Sunday, February 12, 2012
POSTED: Sunday, February 12, 2012
13 miles from my home. Really? No, I'm afraid not. The one in Broomfield is the closest and it does not have anything to do with mortgages and it's more then 13 miles.
Cris
#21 Update By Author
AUTHOR: Cris - Brighton (USA)
SUBMITTED: Sunday, February 12, 2012
POSTED: Sunday, February 12, 2012
Number one, it's none of your business what other bills that we had to pay. But, lets just say that my grandchildren and their health came first above everything else. When you have a child born at 26 weeks and 6 days later gets bacterial meningistis. The other had to have eye surgery. Tell me, what would you do? This is not my loan but my daughters, and if it wasn't for her ex and his lack of child support or helping to pay both of their medical bills, we would have been okay. Yes, I live with my daughter because, someone has to watch the kids while she works 5-7 days a week. Sorry that we care about our kids, I'm sure that you would have done things a lot better. For one thing, I bet your grandkids or even your children would have came in last.
#22 Update By Author
AUTHOR: Cris - Brighton (USA)
SUBMITTED: Sunday, February 12, 2012
POSTED: Sunday, February 12, 2012
Sorry to diappoint you but no, WE weren't one of those people. We had a 30 year fixed rate mortgage with CountryWide. They were a much better bank then who they sold out to. But, you wouldn't know anything about that.
Cris
#23 Consumer Comment
AUTHOR: Robert - Irvine (U.S.A.)
SUBMITTED: Sunday, February 12, 2012
POSTED: Sunday, February 12, 2012
Are you ever going to answer what bills were more important than your house payment and how you went from "FILED" Bankruptcy to "FILING" Bankruptcy?
Or are you going to finally admit that this entire report is a lie?
#24 Consumer Comment
AUTHOR: Karl - Highlands Ranch (USA)
SUBMITTED: Monday, February 13, 2012
POSTED: Monday, February 13, 2012
Bank of America was chosen by the cartel of bankers to purchase the failing companies known as Countrywide and Merrill Lynch.
Countrywide and Merrill Lynch were, and still are, loaded up with toxic debt. The cartel of bankers who control the U.S. Government and Wall Street obviously decided to force Bank of America into purchasing these two failing companies, and the shareholders of Bank of America were the big losers, along with the customers of Bank of America.
You see, Bank of America was not really part of the 'Wall Street gang'. Bank of America had its headquarters in North Carolina. (In order to be part of the 'Wall Street gang' you need to be in New York.)
Simply 'Google' this- FRONTLINE: BREAKING THE BANK, and watch it on the web in order to see some of the things that transpired when BofA purchased Merrill Lynch.
Then 'Google' this- LEWIS TESTIFIES U.S. URGED SILENCE ON DEAL, and read the related articles on the web. Ken Lewis was the former CEO of Bank of America. The ones in control obviously wanted to load up Bank of America with the toxic debt from Countrywide and Merrill Lynch, in order to keep the 'Wall Street gang' from not acquiring all that toxic debt.
It just adds more proof that the banking cartel is in control of the U.S. Government and Wall Street, wouldn't you agree?
And here's the scary part; since the banking cartel controls the U.S. Government, we can logically conclude that they also control the U.S. Military, right?
Keep watching what happens in the Middle East. All of those Drone attacks in Pakistan, Yemen, and in Afghanistan by the USA are not going to bring peace to that region. It appears that someone would like to see another War, in my opinion.
Here are a few more videos that you can 'Google' and watch on the web for proof that the U.S. Government is being controlled by a cartel of corrupt, greedy, and inept bankers-
1) FRONTLINE: INSIDE THE MELTDOWN
2) AMERICA: FREEDOM TO FASCISM
3) FRONTLINE: THE WARNING
4) FULL SHOW: HOW BIG BANKS ARE REWRITING THE RULES OF OUR ECONOMY
One last thing, you stated in your Ripoff Report that: "They are crooks and rude." You are 100% correct! The people who control our Government, Banking Sector, Wall Street, Mainstream Media, and much of the Legal System are crooks. That's why we have so many problems in America today.
Good luck to you.
#25 Consumer Comment
AUTHOR: voiceofreason - (United States of America)
SUBMITTED: Monday, February 13, 2012
POSTED: Monday, February 13, 2012
It could be worse. You could have Ocwen as your lender instead of BarfA.
I both agree and disagree with you.
Most of what you say about BarfA is probably true. And Countrywide was worse and the biggest reason why BarfA is in trouble today. You just lucked out during Countrywide's tenure because you weren't behind then.
Losing your payment was inexcusable. You might want to send your congressman and senators all the documentation of that payment fiasco.
HOWEVER, bottom line on your financial situation. Regardless of Skank of America's incompetence and/or dishonesty, neither they nor any lender of any sort is obligated to accept partial payments at any time. Partial payments on fixed mortgages are impossible to properly apply between interest owed, and principal. You end up further behind the 8 ball, between all that and late fees, than simply missing the blasted payment completely.
One behind, you're behind, partial payment or none.
Always pay the mortgage before medical bills. The hospitals can't foreclose on your body. They can be forced into reasonable pay plans a lot easier than banks.
#26 Update By Author
AUTHOR: Cris - Brighton (USA)
SUBMITTED: Tuesday, February 14, 2012
POSTED: Tuesday, February 14, 2012
We did. We received a letter telling us that our house was paid for in January of 2001. I called them and asked who paid it off since we didn't. We kept sending payments and they kept sending them back. We eventually had to get an attorney to straighten everything out. He's also the one that made them drop the payments for January and Febuary, considering that they sent the checks back. Then, he also sent us to Cherry Creek Morgage and they refinanced our home throught CountryWide. That's was unfortunate because they in turn were sold out to Bank of America. Ocwen and Bank of America are in the same boat, which I hope sinks rather soon.
