Trying to wake up from this HORRIBLE nightmare! *LONG*

For a bank that took millions of TARP funds and promised to help families, they certainly are not doing so. My families home has been in modification with BOA since July 2009.

November 2009, we receive BOA sent us modification papers that my husband signed, notarized and sent back before the deadline. We called every Monday and every Friday to make sure everything was in "working" order and that we did everything according to their specifications. We were told repeatedly that everything was OK and we had no reason to worry. We them made our new modification payments as we were told.

March 2010, we receive a Fed-Ex package from BOA. It then stated we were denied the modification that we signed notarized and sent back in December. All of this was denied due to a notary seal not being an ink stamp notary seal. It was the normal paper embossed notary seal and they could not see it on a scanned document. We had NEVER heard of such a thing as an ink stamp notary seal. We were never told to use that sort of thing either when we called twice weekly to make sure that everything was OK.  I immediately call the 866-669-6607 number that I always called, and they said that since the documents were not done correctly we would have to start over. NOT once mentioning that we could appeal the decision or that we could use the other copy that we had and get it re-notarized and sent back to them. They just state that it would be better to start over again.
However after looking at the original document that they so graciously sent back to me if you looked at the words on the paper you could see that they were a little distorted as if the paper had be crumpled. I took a pencil lightly colored over the notary seal and low and behold my goodness there it was the whole time.......

June 2010, so three months after "starting over" again, I find out that I have to have a hysterectomy at age 29, I decided I was tired of hearing the words that anyone in a modification dreads to hear, and if I had a dollar for every time I heard this phrase I would not need a modification, "you're in review", I wrote the Better Business Bureau. I was then contacted in less than a week from a Stephen Fitzgerald with BAC Home Loans Consumer Advocacy Department. After quite some time I have come to know this department as the B.S. department. Mr. Fitzgerald informed me that this would be rectified in 20 days as per the BBB regulations. I thought this is great as my surgery would be after this was taken care of and I would not have to worry about it anymore. Well low and behold I should not have held my breath, I  think I was turning blue at this point, I get a call from Mr.Fitzgerald the day of my surgery stating that the modification needed to be handled by a negotiator named Tracy. Now mind you I am trying to hold an intelligent conversation while doped up on morphine. I had just had my uterus ripped out of my body for goodness sake and he knew that!

So then Mr.Fitzgerald tells me that everything will be OK and the modification would be taken care of within 30-45 days and we would be set to go.

August 8,2010, I contact the Office of the President of Bank of America Home Loans (Barbra Desoer's office).I let that office know the mess of things that their modification department and their consumer advocacy department was putting people through, thinking they would care. They then assign me a new negotiator who would now be at my demise, by the name of Amy Nemoyer. She comes across all nice and sweet and caring telling me she watched her family go through the same thing and that they came out of it ok and we will too. She then states "oh it will only take two weeks". If I had a dollar for every time I heard her say "two weeks". I am just so glad I started an E-mail trail for Ms.Nemoyer and myself, it has really saved my rear end because of some of the things that she has stated to me, then tried to re-nig on it.

Sept 2010, we receive modification papers, I call to tell our negotiator of them and she states shes never sent any out and is not sure where they came from. It was at that time I did some investigating and found out it was from the Home Retention department. I then call my negotiator and tell her what I found out and what the terms were (they were acceptable to us). She then states to not sign and send back those set of modification papers as she could do better. Mind you, I have this in an E-mail from Ms.Nemoyer.She then has me resend our financial information over to her and we do as we are told to do, I scan and E-mail them to her as to have that "paper" trail and she lets me know she received them and it would be another two weeks till this is resolved and we are in the clear.

October 16, 2010, Ms.Nemoyer informs us by Email not to make payments on the loan any longer as it could hinder the modification process and lengthen the process. That she needed to reverse a few payments that we made so that she could get the modification complete. This would only take her 3-5 days. October came and went. Now a month had passed it is now November and I contact Ms.Nemoyer who states that I am not the only one waiting on reversals that I should not expect it any time soon as I am not special and should be treated as such. First off I was not asking to be treated special just given an update on what in the world was going on with my modification. At this time it was then sent over to Mr.Anthony Palma. He was able to look at the loan and get the payments that needed to be reversed on the account within 3 days no problem and stated that he was not sure why it took her so long to even attempt to do so. About a week after the payments were reversed he then tells me that since it had taken this long to do the modificion we would have to come out of pocket with $8000. I was floored. This was because Ms.Nemoyer stated that we should not make any payments on the account until this was resolved. By this time it was January 06,2011.

I then get a call from Amy stating that she had the loan again and we would start over on the modification process. I flip out on her. This is becoming one of the worst long drawn out processes that could ever happen to anyone. At this time I get a call from Amys Supervisors supervisor the supposed "team lead". Her name is Aimiamia Amadasu and little did I know Amy was on the line too. I explained EVERYTHING to her manager and thats when Amy spoke up stating that she never said that we were not to make a payment. She didnt "recall" stating that to me. Well thats why I keep E-mails! I informed her manager of the emails and forwarded them to her and was told that she needed to speak with Amy about this whole thing. I was then told to forward all my financials to Ms.Amadasu and that it should not be much longer before this is resolved.

So i resent everything that Ms.Amadasu asked for and was told on March 17th,2011 that we were denied for the Fannie Mae MHA loan modification and that we were going to be able to get a modification through BOA itself. This is all after Mr.Palma stated to me that we would have a modification giving us payments of $644.75 a month and dropping our rate on the 30 year loan to 2% for the first 5 years then it steps up each year topping out at 5.2% for the remainder of the loan.

At this time I am making my phone calls twice a week some times more to make sure everything is on the up and up and am told "you are in review". April comes and goes then comes May.  I call May 3rd, and am told we are not eligible for the federal HAMP program that we should still wait for the review of the in-house modification to come through. I call on May 10th and am told we are still "in review". On May 13th 2011, I call in to find out what is going on and this time I am told we are not eligible for any modification and now need to pay them $16000.00 or be foreclosed on because there were no modifications available to me.
All this time we had been told we would be OK they would get it rectified. Mind you we had TWO modifications come through to us. One of them we sent in signed notarized and on time, the second one a BOA negotiator told us to not sign and send back. And now here we sit on the brink of losing every thing we have worked so hard for because of one simple thing that should have been stated almost years ago!

I am now on a campaign to write everyone I can so that they would listen and hopefully help us do something about this situation. If anyone is having issues with this company or can help us figure out what to do from here please feel free to email.