Bank of America B of A - Making Home Unnaffordable - Mock Re- Finance -Forced Placed Flood Insurance in a Non Flood Zone use to Jack Up Morrtage ForcesSeniors and Elderly Out of Home of 36 Years Internet, Florida

This has happened every September since 2010. I could be 6 weeks late and put into a home Re-fi with $1049 in fees every year like clockwork to make it go away. This years they got creative and issued force placed flood insurance on my non flood zone property, according the the old and new FEMA maps. I once had a CSR (after hours and weeks of communication) tell me that the CEO and President of Bank of America would call me the following day at 11:00 AM. Good thing I wasn't holding my breath. Tonight someone called from tel# 800-669-66503 ext 36219 stating she was calling on behalf of the President and CEO of Bank of America. Teah, Right... And 5 months late too!

I have contacted the State of FL Attorney General and, the OCC, The Whitehouse, My local Representative and most recently the office of Gov. Rick Scott explaining our situation to no avail. The story that matches thousands of seniors and elderly on fixed incomes in Broward County FL. My mortgage is over 26 years old and I have only fallen slightly behing in the 3 years I was unemployed from 2007-2010 thanks to the gelp og my 90 year old mother who lives with me. The following is the complaint I sent to EVERY Gov Agency and Politicians on a federal and state level.

This has been my complaint to every agency and government official after trying to clear this up with Bank of America since September 2012.

Bank of America pulls a loan acceleration scam on me every September if I am as little as 6 weeks late. They
send a letter of intent to accelerate my loan and demand $1147 within 30 days or else. This year I wasn't late so they decided my property was in a flood zone, which it is not, slapped forced flood insurance on my $209 monthly mortgage payment and demanded $597 as a minimum payment. It took hours on the phone and 3 months to find out why they raised my minimum monthly payment. They decided I am in a flood zone even though the FEMA maps show I am not. I have lost hundreds of dollars due to taking time off from work to deal with this. I have used up my cell phone minutes over a course of 3 days of being bounced repeatedly to at least 5 departments with every phone call to or from B of A.

They would not allow me to make my regular monthly mortgage payment online, by phone or in person since September 2012. They just bounce me through 5 departments with no resolve where I have to repeat the entire situation to
every department to no avail. With the holidays I have also lost time at work and have no way to catch up. I would not have been in arrears if they had not done this. Every September (3 years in a row) they try to put me into a re-modification program I had not requested and tack on almost $1000 in undisclosed miscellaneous fees that no one is able to explain. Every year I lose 15+ hours of pay dealing with them in person or on the phone during business hours and usually dont get the situation resolved until I pay them what they demand. Then have to spend several more hours getting the undisclosed
fees removed.

They create situations, inflate the minimum payment and do not accept regular monthly mortgage payments. They
either withhold payments in escrow and do not applying it towards your loan or demand a ridiculously high minimum payment within 30 days.  I was unemployed for 3 years and underemployed during the last few years however, I would make partial payments if I was unable to make a full payment. The minute you do that Bank of America holds ALL the payments in escrow (including full payments) and does not apply it towards the mortgage, then they send an intent to accelerate your loan and tack on nearly $1000 in miscellaneous fees. Please stop them from this egregious banking practice. This is the 3rd year in a row they pulled this and I was not behind on my mortgage when they found a new way to force me into arrears by tripling my mortgage payment with forced flood insurance despite living in a non flood zone area. I found Flood Zone Correction and supplied me with the FEMA documents showing my address is not in a flood zone even with the newly drawn maps.

One CSR asked if they would be allowed to robo dial us and I said NO. They continue to robo-call both me and
my 89 year old mother hourly.

They have been calling my mother's phone line as early as 8 am on a Sunday morning and harass her.  Today
12/29/2012 hey have called her 5 times in 5 hours and threatened they were going to take her car away and mine. She doesnt have a car. They are getting more aggressive and threatening and scaring her to death. This must stop!

I am moved to put up a website about this in Broward County alone which is predominantly elderly ans the epicenter of the of the B of A foreclosure crises. Most of the foreclosures are fast tracked leaving unsuspecting elders on their own with no where to turn