• Report: #879510

Complaint Review: Bank of America Home Loans

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  • Submitted: Tue, May 08, 2012
  • Updated: Sun, November 03, 2013

  • Reported By: Anjourie — Houston Texas United States of America
Bank of America Home Loans
P.O. Box 941633 Simi Valley, California United States of America

Bank of America Home Loans Fannie Mae illegal foreclosure on a current loan, never in default. Simi Valley, California

*Consumer Comment: Anjourie,

*Consumer Comment: PROTESTER SONG 106

*Consumer Comment: PROTESTER SONG 102

*Consumer Comment: Birthday presentation of- FIX AMERICA POEM

*Consumer Comment: PROTESTER SONG 98

*Consumer Comment: RAGE AGAINST THE MACHINE......

*Consumer Comment: PROTESTER SONG 94

*Consumer Comment: PROTESTER SONG 91

*Consumer Comment: DISEASED POEM

*Consumer Comment: Chef,

*Author of original report: BOA illegal forclosure

*Consumer Comment: Anjourie, You can also 'Google' this- OCCUPY BANK OF AMERICA?, and....

*Consumer Comment: Anjourie, Feel free to 'Google' this- INDYMAC BOYS GET SWEETHEART DEAL, and watch that video.....

*General Comment: Huh?

*Consumer Comment: not telling truth

*Consumer Comment: Anjourie, Contact the Investigative Reporters at all of your local News stations....

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Bank of America Illegally sold my home at foreclosure short sale, & my loan was not in default.

All payments are current up to the month of foreclosure.

I have proof of all payment from date of purchase. 

They are continuously attempting to evict me.
 
Foreclosure on my credit report has ruined my credit & prohibits me from acquiring a loan to repurchase, or get any assistance.

I have submitted applications since 2007 to Refinance, Making Home Affordable & they seem to loose it each time, &  BOA continuously denies me for invalid obscure reasons, and ties up the processing for over a year, prohibiting me from getting assistance from any other company. Somehow they loose my MHA applications for the past several years. 

I then got a lawyer and applied for a Principal reduction.  BOA continued to say it was in processing, until one day I got a notice telling me they sold my loan to Fannie Mae.  Another letter came stating thanks for your payment, but the new loan is escrow & I needed to contact them to make arrangements.  Another letter dated two weeks after, informed me my home was sold at foreclosure short sale, & I have two weeks to move out or be evicted.

Now the foreclosure attorney refuses to compromise, & said I must get a loan to buy back my home in full or be evicted. 

BOA is ruining my life, threatening my career, and my sanity.

I am an ICU RN, a productive person, paid my bills, and followed all the rules and guidelines they gave me.  Why is this company allowed to victimize so many people and get away with it. 

Especially when I was current on payments, they took my money up until the day they told me to get out! 

Please help me keep my home. 

This report was posted on Ripoff Report on 05/08/2012 06:14 AM and is a permanent record located here: http://www.ripoffreport.com/r/Bank-of-America-Home-Loans/Simi-Valley-California-93094-1633/Bank-of-America-Home-Loans-Fannie-Mae-illegal-foreclosure-on-a-current-loan-never-in-def-879510. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Comment

Anjourie,

AUTHOR: Karl - (USA)

Please give us an update to your Ripoff Report when you have time. Thank You.
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#2 Consumer Comment

PROTESTER SONG 106

AUTHOR: Karl - (USA)

JOIN TOGETHER
(Please sing to the tune of "Get Together")

Anyone can 'Google' this- MIDI MUSIC COLLECTION GET TOGETHER (KARAOKE), and sing the following lyrics to that midi tune, correct?

Here we go- 1, 2, 3, 4....

USA is one big lie
Wall Street is a scam
Banker goons are in control
They run our Uncle Sam
IMF and Fed have failed
They both believe in fraud
Rise-up people now
Expose the bankers
Everybody join together
Keep on filing these Reports each day.

Spread this song around the web
Let the people know
Fraud and greed destroyed our world
Text Jill and Kate and tell Joe
Politicians do not care
They serve the banker goons
Stand-up people now
Expose the mobsters
Everybody join together
Keep exposing and singing each day.

Rise-up people now
Expose the bankers
Everybody join together
Keep on posting these Reports each day.

(Music)

Stand-up people now
Expose the goofballs 
Everybody join together
Keep on shouting and singing each day.

When you're on the worldwide web
You gotta let it out
Stop the violence everywhere
Get on the web and just shout
Exposure is their biggest fear
We need to shut them all down
Rise-up people now
Expose the bankers
Everybody join together
Keep on filing these Reports each day 
Stand-up people now 
Expose the mobsters
Everybody join together
Keep on singing and shouting each day
C'mon, rise-up people now
You have the power
Everybody join together 
Keep exposing and singing each day
Each day!
Each day!

End.

"Almost everything you do will seem insignificant, but it is important that you do it." - Mahatma Gandhi

"Even the most powerful human being has a limited sphere of strength. Draw him outside of that sphere and into your own, and his strength will dissipate." - Morihei Ueshiba

"Everything in the universe is within you. Ask all from yourself." - Rumi

"Who are the learned? They who practice what they know." - Muhammad

"What shall it profit a man if he gains the entire world, but loses his soul." - Jesus

"Better than a thousand hollow words, is one word that brings peace." - Siddhartha Gautama (The Buddha)

Anyone can 'Google' this- THE BUDDHA PBS, and watch that documentary on the web, which is narrated by Richard Gere.

Thank You

POWER TO THE PEOPLE






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#3 Consumer Comment

PROTESTER SONG 102

AUTHOR: Karl - (USA)

BURN! BURN! BURN!
(Please sing to the tune of "Turn! Turn! Turn!")

Anyone can 'Google' this- MIDI MUSIC COLLECTION TURN TURN TURN 1 (KARAOKE), and sing the following lyrics to that midi tune, right?

Here we go- 1, 2, 3...

Hey banker goons, Burn! Burn Burn!
To all of Wall Street, Burn! Burn! Burn!
You've destroyed so many nations and their people
It's time for each person to rise up and shout
Tell Europe and Asia we must toss them out
They're rotten and greedy, they smell just like poo
Please tell your momma, Bobby, and Sue.

To everyone, Learn! Learn! Learn!
Get on the web now, Learn! Learn! Learn!
It's a time for every person to gain knowledge
Don't ever be frightened when you're on the web
Text Arthur and Josie, tell Peter and Deb
The movement is growing, bank goons cannot stop
Every good person and great cop.

To everyone, Yearn! Yearn! Yearn!
That means compassion, Yearn! Yearn! Yearn!
It's a time for every person to have feelings
Don't be like the bankers and mean CEOS
Text all of the Beckys and all of the Joes
Warm feeling all over, expose them each day
Get on the web you have much to say.

(Music)

Hey banker goons, Burn! Burn! Burn!
Your stocks keep falling, Burn! Burn! Burn!
You've destroyed so many people and families
The movement keeps growing, it's here on the web
Your power has weakened, the tide's on the ebb
The people are winning, you're being exposed
Time for all bankers to finally get hosed!

End.

Anyone can 'Google' this- POLICE CAPTAIN TO BE PUNISHED OVER OWS SUPPORT RT, and watch that video on the web about a great cop.

Feel free to 'Google' this- YEARN DEFINITION, and read the definitions on the web. Here is one definition-

'Yearn' (definition) - Be filled with compassion or warm feeling.

Thank You

WELCOME TO AMERICA- OUR GOVERNMENT IS BEING CONTROLLED BY A CARTEL OF CORRUPT, GREEDY, AND INEPT BANKERS WHO ALSO CONTROL WALL STREET AND EVEN THE PRICE OF OIL


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#4 Consumer Comment

Birthday presentation of- FIX AMERICA POEM

AUTHOR: Karl - (USA)

FIX AMERICA POEM

There are a lot of broken down people
Look around, maybe you know 'em
Memorial Day weekend just started
FIX AMERICA POEM!

The 'rate' is extremely low
But inflation is real high
FIX AMERICA POEM
We can't afford blueberry pie!

People are now losing hope
They can't even afford to buy bread
FIX AMERICA POEM
It's exactly what all of us said!

The 'big-shots' keep cashing-in stock
A CRASH is soon coming I fear
FIX AMERICA POEM
Another one just shed a tear!

Corporations have now taken over
The PEOPLE are now the minority
FIX AMERICA POEM
Don't forget, WE ARE the MAJORITY!

This election will not solve a thing
They're just puppets- it's all they will be
FIX AMERICA POEM
We need someone for you and for me!

The WEB has become our last hope
If we give up I know that we'll lose
FIX AMERICA POEM
Don't give in to that bottle of booze!

I guess that this poem is over
Time to go out and get some fresh air
FIX AMERICA POEM
We are the PEOPLE- The PEOPLE WHO CARE!

End.

The above poem was originally submitted at this website exactly four years ago today. It was submitted on May 23, 2008. Anyone can type in 261157 at this site and it appears as 'Consumer Comment #12' at Ripoff Report #261157.

The poem was inspired by Cicley's comment, which was posted on February 29, 2008 at 4:54 PM in the comments section at the BusinessWeek article entitled- 'Bernanke's History Lesson'. Feel free to 'Google' this- BERNANKE'S HISTORY LESSON BUSINESSWEEK, and scroll back to her comment and read it. (Cicley's comment appears on, or around, 'Page 3' in the comments section.)

FACT: The fourteenth line of the poem came true four months after it was submitted at this website. On September 29, 2008, the Dow Jones suffered its biggest single day loss in history. The Dow lost 777 points on September 29, 2008. Here is the fourteenth line of the poem-

QUOTE: "A CRASH is soon coming I fear"

Thank You

WELCOME TO AMERICA- OUR GOVERNMENT IS BEING CONTROLLED BY A CARTEL OF CORRUPT, GREEDY, AND INEPT BANKERS WHO ALSO CONTROL WALL STREET AND EVEN THE PRICE OF OIL


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#5 Consumer Comment

PROTESTER SONG 98

AUTHOR: Karl - (USA)

SPREAD THE WORD
(Please sing to the tune of "Yesterday")

Anyone can 'Google' this- FREE MIDI THE BEATLES MIDI FILES, and click on 'Yesterday' and sing the following lyrics to that midi tune, right?

Here we go- 1, 2, 3, 4....

Spread the word
On the web each day, it must be heard
Banker goons all smell like rotten turds
Get on the web and spread the word.

Frank on bank
Anyone can type in 'Frank on bank'
Banking system is a massive prank
It stinks, it stunk, I guess it stank?

System is corrupt
I know this might sound abrupt
Government is broke
Wall Street will go up in smoke.

Spread the word
All good people need to spread the word
Our whole system stinks, it's so absurd
Get on the web and spread the word.

Type in 'comment line'
Let them know it isn't fine
Type in 'Litton Loan'
Banker goons made people moan.

Spread the word
On the web each day, it must be heard
Banker goons all smell like rotten turds
Get on the web and spread the word
MMMM Spread the word.

End.

Anyone can type in the following at this site and read the Ripoff Reports-

FRANK ON BANK
COMMENT LINE
LITTON LOAN

Thank You




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#6 Consumer Comment

RAGE AGAINST THE MACHINE......

AUTHOR: Karl - (USA)

guitarist, Tom Morello, was interviewed by Bill Moyers about songs of Social Protest on May 18, 2012.

Anyone can 'Google' this- FULL SHOW: TOM MORELLO, TROUBADOUR FOR JUSTICE, and watch the interview on the web.

Thank You

***GLOBAL ALERT: "PROTESTER SONG 98" will be submitted in the consumer comments section at this Ripoff Report soon. 
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#7 Consumer Comment

PROTESTER SONG 94

AUTHOR: Karl - (USA)

EXPOSE THE GOONS HERE ON THE WEB
(Please sing to the tune of "Alone Again Naturally")

Anyone can 'Google' this- ALONE AGAIN NATURALLY MIDI, and sing the following lyrics to that midi tune, right?

Here we go- 1, 2, 3, 4....

Bankers really screwed our world
Hurting all the boys and girls
Politicians don't care, they're all unaware
'Cause they're working for these banker goons
JayPee Morgin's stock went down
Spread the word all over town
They keep making bets, now they have regrets
Oil prices have slowly fallen
Markets will soon crash, 'cause this thing is an illusion
The bankers all made big mistakes
But they were all rewarded
Congress is a giant joke
Our country will go broke
The USA is a big lie.

Everyone must scream and shout
Time to let it all come out
Our whole country's a lie, many people cry
And our leaders still don't care
Election will be coming soon
Who will be the next buffoon
Bankers own the world, text each boy and girl
Time to spread it around the web now
Our world is in a mess
Time for Greece to leave the Euro
The U.S. caused most problems in the world
We ain't no hero
Time for all of this to end
Please tell all your friends
Expose the goons here on the web.

The bankers keep on taking homes
They're hurting many people, no one really cares
Our leaders failed us
Oh yes they did, oh yes they did.

(Guitar)

Expose the goons here on the web.

Thirty-five years from now
We probably won't have a Dow
Solar panels everywhere, 'cause the people will care
Electric cars all over town
Banker goons will all be gone
Say goodbye to big Exxon
Time for us to change, time to rearrange
Gotta fix a world that is broken
The people will look back and they'll say to one another
The world was such a mess back then
I'm glad that we're all brothers
Peace and love is everywhere
A time that we all share
A world for all human beings
A time for Peace, finally.

End.

"The Art of Peace is medicine for a sick world. There is evil and disorder in the world because people have forgotten that all things emanate from one source. Return to that source and leave behind all self-centered thoughts, petty desires, and anger. Those who are possessed by nothing possess everything." - Morihei Ueshiba




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#8 Consumer Comment

PROTESTER SONG 91

AUTHOR: Karl - (USA)

GROWING
(Please sing to the tune of "Thank You")

Anyone can 'Google' this- DIDO MIDI FILES AND LYRICS, and sing the following lyrics to that midi tune, right?

Here we go- 1, 2, 3, 4....

Banker goons are speculating
They're raising price of oil
Destroying every single nation
They're hurting boys and girls
Politicians are all puppets
'Cause they serve these banker goons
We're exposing, and it is so sad... it is so sad

Bankers keep on taking houses
Destroying lives each day
Brock O'Bomb-a couldn't care less
Our country's in decay
JP Morgan lost $2 Billion
'Cause it's one big giant sham
Worldwide web is here, and it makes us glad... it makes us glad

We will keep on singing,
We're singing and exposing each day
People Power's growing,
It's growing and it won't stop, oh yeah!

(Music)

Woke last night, I had a dream
And then I wrote this song
Our world is in a great big mess, so much of it is wrong
No one really seems to care about the people in this world
That is so sad

We will keep on singing,
We're singing and exposing each day
People Power's growing,
It's growing and it won't stop, oh yeah
We will keep on singing,
We're singing and exposing each day
People Power's growing,
It's growing and it won't stop, oh yeah!

End.

Anyone can 'Google' this- JP MORGAN LOSES $2 BILLION, and read the related articles on the web.

Feel free 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 it. Here is a quote that starts the fourth paragraph from that consumer comment-

QUOTE: "A Harvard Business Professor said that EXPOSURE is a corporation's WORST FEAR!" - August 21, 2007.

Thank You

POWER TO THE PEOPLE
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#9 Consumer Comment

DISEASED POEM

AUTHOR: Karl - (USA)

DISEASED POEM

Our system is diseased
Controlled by banker goons
That's why I wrote this poem
It's why I write the tunes
Congress is corrupt
Our government's diseased
They'll take away your houses
And put you on your knees
It's time to end this poem
The banker goons will seize
Your homes, your lives, your souls
Our system is diseased!

End.

Anyone can 'Google' this- EX-SALT LAKE MAYOR ROCKY ANDERSON FORMER DEMOCRACY NOW, and watch that video on the web. Here is a quote from the interview-

QUOTE: "We launched the Justice Party because the entire system is so corrupt. It's so diseased. We know that the public interest is not being served by anyone in the system right now, particularly the two dominant parties who have sustained this corrupt system and who are sustained by it." - Rocky Anderson

Feel free to 'Google' this- FRONTLINE: THE WARNING, and watch that video on the web. It was stated that the banking system has five Lobbyists for every Congressman at around 25 minutes and 50 seconds into that video.

Finally, make sure to 'Google' this- DID SPECULATION FUEL OIL PRICE SWINGS, and watch that 60 Minutes segment on the web in order to understand why oil prices surged in 2008, right around the time that the banking system and many other Wall Street firms were collapsing, and why oil prices have risen dramatically since September of 2011 when oil was around $79 a barrel.

Thank You

WELCOME TO AMERICA- OUR GOVERNMENT IS BEING CONTROLLED BY A CARTEL OF CORRUPT, GREEDY, AND INEPT BANKERS WHO ALSO CONTROL WALL STREET AND EVEN THE PRICE OF OIL
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#10 Consumer Comment

Chef,

AUTHOR: Karl - (USA)

Feel free to 'Google' the following videos and watch them on the web for PROOF that the U.S. Government is being controlled by a cartel of corrupt, greedy, and inept bankers who also control Wall Street and even the price of oil-

1) FRONTLINE: MONEY, POWER AND WALL STREET

2) FULL SHOW: HOW BIG BANKS ARE REWRITING THE RULES OF OUR ECONOMY

3) AMERICA: FREEDOM TO FASCISM

4) WHO OWNS THE FED BANK, WHO CONTROLS WHO VIDEO

5) WHO CONTROLS THE UNITED STATES ECONOMY BY MAJORITY 2010

6) INDYMAC BOYS GET SWEETHEART DEAL

7) FRONTLINE: THE WARNING

8) EX-SALT LAKE MAYOR ROCKY ANDERSON FORMER DEMOCRACY NOW

9) YOUTUBE FALL OF THE REPUBLIC

10) FRONTLINE: BREAKING THE BANK

11) DID SPECULATION FUEL OIL PRICE SWINGS

If you would like to know when the stock market will crash again, simply 'Google' this- A CREDIT CARD YOU WANT TO TOSS, and go to the BusinessWeek article about Bank of America and scroll back to the comment that was posted on February 21, 2008 at 3:03 AM.
(The comment appears on, or around, 'Page 42' in the comments section.)

*The Mainstream Media in the USA knew all about this back in 2007, over a year before it happened. You can type in 271454 at this site and go to 'Consumer Comment #1' at Ripoff Report #271454 and read it.

Then type in 269041 at this site and go to 'Consumer Comment #3' at Ripoff Report #269041, entitled "Blame it on a Lawyer" and read that too. Pay attention to the last thing stated. (That consumer comment was submitted thirteen months BEFORE the collapse of the banking system and the stock market crash, which took place in September of 2008.)

Finally, type in 529757 at this site and go to 'Consumer Comment #1' at Ripoff Report #529757 and read an exact copy of the two-page letter that was mailed to the Mainstream Media in New York on 9/12/2007. (The addresses to where copies of that letter were mailed are also available at this site. Just type in 271771 and they appear in 'Consumer Comment #1' at Ripoff Report #271771.)

Guess what?

The United States of America is a country whose foundation is solidly built on lies, deception, fraud, manipulation, greed, trickery, deep corruption, and the constant pursuit to financially injure the innocent people living here and all over the world. Our politicians (most of them) work for the corrupt banking cartel, which also controls Wall Street. Most of the Legal System, along with the Mainstream Media in this country is corrupt, because they ultimately serve the corrupt banking cartel that controls our corrupt system in the corrupt and diseased country known as the USA.

Have a nice day.

WELCOME TO AMERICA- IN FRAUD WE TRUST
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#11 Author of original report

BOA illegal forclosure

AUTHOR: Angie Austin - (United States of America)

Thanks for all the helpful hints.  I've been in court for the past year fighting this mess.  
We were all the way to federal court when, they dismissed it to refile back in state court.  It appears federal courts have way too many of these law suits.
My attorney is working with me, but I dont have as much money as Bank of America so, well you can guess the rest.  

This all started when the govt caught BOA in making fraud loans to people and then foreclosed on them.  Problem was I afforded my house, & was told to apply for MHA to restructure the loan due to the bad economy.  BOA was not willing to take the loss, & delayed the processing, & any chance of anyone else refinancing my loan.  

It just got worst from there as I kept following the chain of appeal processes.  Now, I really need to call attention to this bank mortgage fraud.  Another couple, was just in court with the same problem.  

BTW, just because it's new or inconceivable to you doesn't mean it's not true.  I stared at that eviction form saying it cant be real.  The $1500 I paid my lawyer to file a restraining order, made it real enough. 
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#12 Consumer Comment

Anjourie, You can also 'Google' this- OCCUPY BANK OF AMERICA?, and....

AUTHOR: Karl - (USA)

read the related articles that just became available on the web about an hour ago.

Have a nice evening.

***NATIONWIDE ALERT: Make sure to type in 555030 at this site and read Ripoff Report #555030 and spread it all over the web at sites like Twitter and Facebook!
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#13 Consumer Comment

Anjourie, Feel free to 'Google' this- INDYMAC BOYS GET SWEETHEART DEAL, and watch that video.....

AUTHOR: Karl - (USA)

on the web.

Since the banking cartel is obviously in control of the U.S. government, we can logically conclude that our politicians will not be on the side of the American people, wouldn't you agree?

I believe it was stated that the banking sector in America has five Lobbyists for every Congressman. Just 'Google' this- FRONTLINE: THE WARNING, and watch that video on the web and pay close attention to what is said at around 25 minutes and 50 seconds into that video regarding the number of Lobbyists that the banking sector has for every Congressman.

Make sure to contact all of the Investigative Reporters at all of your Local News stations immediately.

Good luck.

***POLITICIAN ALERT: Feel free to stay at this site and type in the following and read the Ripoff Reports from people all over America for important information-

POLITICIAN
OBAMA
BUSH
CHENEY
CLINTON
REAGAN
PRESIDENTIAL CANDIDATE
COMMITTEE CHAIRMAN
MAYOR
SENATOR
GOVERNOR
US GOVERNMENT
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#14 General Comment

Huh?

AUTHOR: Chad - (USA)

Where is the lawyer you hired in all of this? Why is he not actively involved in helping you? He should be falling all over himself to sue the unholy crap out of your lender if they foreclosed on a paid up property, sold it at auction and are proceeding with eviction. You should have been served an eviction notice and there should have been a hearing. Did you attend with your evidence or advise your attorney?
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#15 Consumer Comment

not telling truth

AUTHOR: Chef - (U.S.A.)

You cant be telling the truth, you were behind on making yur payments, no lawyer would ever allow this to happen, if you were up to date wih your payments,  and if what your saying is true, you would have a bunch of ambulance chasers knocking on your front door.

BOA just lost a lawsuit with federal goverment reguarding illegal foreclosures, also I just refinanced using the HARP program with  BOA, BOA has an online status checker of what the status of my loan was.

Again they never lost any paperwork but everytime I was just about to get a closing date, they came up with some B.S. that they needed more paperwork.

Needless to say I closed on MAY 3rd but started this process FEB 6, and the funny thing is BOA had my mortgage already and it still took them 3 months to close my loan, but because I  am upside down, I am stuck with them for now.

As soon as I can get out of their I will, but again I think your are lying and you were behind.

If you were not having trouble making your payments why did you ask for a principal reduction

You say they lost our application but you say in your report that BOA denies you for "invalid obscure reasons".

So what is it, did they lose it or do they simply deny your loan????????????



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#16 Consumer Comment

Anjourie, Contact the Investigative Reporters at all of your local News stations....

AUTHOR: Karl - (USA)

in your city immediately and let them know what is going on. There is a chance that one of them will respond and help you.

Feel free to 'Google' this- 9WANTS TO KNOW STARTS WEEK-LONG PUSH TO HELP HOMEOWNERS, and read the related articles and watch the videos on the web.

Once the bank understands that they might be exposed on TV, they might think twice about taking your house. Also, a bank cannot evict you from your home. Only a judge can do that. 

Good luck to you and keep us posted.

***NATIONWIDE MORTGAGE ALERT: Make sure to type in 481508 at this site and read St. Clair's Ripoff Report for valuable information if you have a mortgage.
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