Report: #1055349

Complaint Review: BAC

  • Submitted: Fri, May 31, 2013
  • Updated: Fri, May 31, 2013
  • Reported By: 25527 Lynbriar ln — 77327 Texas
  • BAC
    106 Donna ct
    cleveland, Texas

BAC The blind leading the blind usa Texas

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My first complaint,

In March 2011, I became unemployed. We kept up with our mortgage payments until August 2011 when my husband also became unemployed. I contacted Bank of America and applied for a modification, In February 2012 they told me I was denied no reason given but, I was allowed to a forbearance so I agreed to pay $5700.00 and then $2000.00 a month for 6 months to get caught back up my husband and I were back to work, before making payment I called to make sure the amount was correct, And was told by Kenneth Mclendon that I did not need to pay I was getting a full Modification, I heard nothing and received nothing for 2 months, I called they told me I had a letter of intent to foreclose that expired in October 2011, And that my house had a sale date of June 5,2012, I continued to try to work with them and applied for another modification, DENIED again, never received a letter of any kind, So my house goes to sale, In August 2012 I received a phone call from Bank of America that my home was not sold and I qualify for the DOJ modification so I applied, Still received no paper work of any kind.I continued to call weekly and was told I was in review, January 23rd I received a letter from an attorney stating my house was to be sold on February 5,2013, I contacted the attorneys office and let them know that The letter was written by their office on January 14,2013 and that I received the letter on the 23rd, And that in Texas I have to notified 21 day before sale and it has to posted in court house of said county 21 days also witch it was not and that they are violating my rights. They basically told me they do not care. Well to date the bank took my house, After my call to the attorneys office They sent out a certified letter. I have a certified letter receipt from the post office for a letter from the attorneys office. dated February 2 stating I could pick up the letter on February 4, My house was taken on February 5,2013. During that year i never received any letters from Bank of America stating I was denied for anything. I bought my house in 2006 from countywide. Not sure what to do now, Today I received a packet from a real estate agent asking me to voluntary vacate on march 18,2013.







My second complaint,


On February 28,2013 I filed a complaint, Complaint number is 130227-002371. I contacted by Tatya Whetstone she informed me that I qualified for a recession as to which I applied for and was denied, The texas state law states that I have to notified within 21 days of the sale date and must be posted in court house. It was filed in court house on January 14,2013 but was not posted and my notice of foreclosure was written on January 14,2013 and mailed to me there is no way i was notified within 21 days unless i was in the office and it was handed to me that day which I was not. I was informed by Mrs Whetstone to send in papers for a MOD which I did so. I was contacted again two weeks ago from Mrs Whetstone she informed me that my MOD was in reveiw and they were having trouble opening my file due to the foreclosure and she sent my file to someone who could fix it. Last week on May 22 2013 I was contacted by Mrs Fleetwood who stated she was my new case manager and that my house has been sold and that was all. I told her my conversation with Mrs Whetstone she told me that my case was never in review, I called Mrs Whetstone and she said that that was false and she emailed Mrs Fleetwood as I was on the hone to let her know the process of my file and where it was located. I received A letter to vacate immediately from the attorneys office. I called Mrs Fleetwood yesterday and asked what was going on, First she said I was never in review and then in the same conversation she said I was denied for a MOD i asked the date she said it was May 5,2013. I had not even applied before that date.She told me to vacate as well so I asked about the original off that was presented to me in the beginning that if I vacated within 30 days I would receive a settlement offer. I was guaranteed this offer if my MOD was denied, She says I was not ever giving such am offer. That is a lie I have the aer work from the real estate company that has my house in reo. Cameron real estate in cleveland texas which I got off the hone with today and who has sent my house to auction because they have never had any updates from BAC. During my first conversation with Mrs Whetstone I ASKED IF I SHOULD MOVE AND WAS TOLD TO STAY UT AS I WAS TOLD AGAIN LAST WEEK. mRS wHETSTONE IS VERY GOOD AT HER JOB IN FACT THROUGH ALL THIS SHE HAS BEEN THE MOST HELPFUL SHE IS A GREAT ASSET TO BAC. So now i have to vacate my family of 6 in 3 days. I know there is a mistake but no one will help me I begged mrs Fleetwood to lease contact Mrs Whetstone over and over again to correct this.We got behind due to unemployment and are loosing our home and never will be able to buy a home again for the rest of our lives at our age our children are being tossed out onto the street because we have been advised from BAC wrong. If I would have been allowed to ay the money for the forbearance last FEBRUARY WE WOULD STILL BE IN OUR HOME and up to date.This is wrong I have all my false documents they claim to have sent I got them from BAC. two of them show denied for a MOD after the sale date in June and August. I was contacted by them after I thought they sold my house that i qualified for A DOJ. I spoke to the DOJ department and was informed I had never applied for one. Everytime my file is sent to a new person this happens. The other letter of denial states my out going is over $9000.00 and my income is$5200.00 that was later found to be an error on their part because the entered my finances twice. The other one states I am denied because I can afford my house. Yes I can now my husband and myself were unemployed for a total of 15 month during this process. We have both return to the same companies we have worked for greater then 15 yrs.. All we want to do is pay for what we are supposed to. And due to lack of communication within BAC we are being tossed out on the streets. I can at anytime provide proof of all this I have retained all Paper work and phone records.
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