If BOA could crap on any one they certainly have done so!

Ok so BOA was given until 7-15-2011 to respond to Senator Burrs office and boy did they ever respond. Not only did they respond but they ripped us a new one!

The letter they sent to Senator Burrs office reads:
Dear Mr. Sawyer,
Bank of america's office of the CEO and President acknowledges receipt of your correspondence dated June 9,2011, forwarded to us by the Office of the Honorable Richard Burr. As a Customer Advocate, I welcome this opportunity to address your concerns. 


In your correspondence, you expressed concern regarding previous attempts to modify your loan; specifically  your dissatisfaction with the lengthy review process, and multiple assigned negotiators. Additionally, you indicated frustration concerning numerous documentation requests, and more specifically, the loan modification declines in Novemeber 2009, March 2010, and March 2011. Further, you expressed a lack of understanding to the foreclosure process. You have requested a new modification review be initiated. Finally, you disclosed your dissatisfaction with customer service; primarily the misinformation and miscommunication provided by Bank of America. I trust I have accurately summarized your concerns. 


In my research of your account, I have confirmed a modification review commenced on November 24, 2009. Bank of America mailed you a permanent modification package that day. On December 12, 2009, your modification was decined. A payment in the amount of $853.18 was required along with your signed and notarized modification package to facilitate approval. That did not occur. Another modification review began on March 26,2010, in with a request for financial documentation was made and required to be returned by April 17, 2010, we did not receive the requested documents by this required due date. Bank of America made a final request for documentation on May 20,2010. Your loan was declined for the Making Home Affordable (MHA) program on June 26,2010 due to a high positive surplus, but was kept open for further review options. Document requests were then sent on June 20,2010 and on July 1, 2010. Subsequent documents returned were deemed to be incomplete. Receipt of all required documentation occurred on August 12,2010. During this review process you made a request to honor the offer from November 2009, but were denied and review continued. A proprietary modification offer was sent on August 27,2010, with a request that documentation be returned by September 10,2010. As of October 6, 2010, the documentation had not been received, and your review was closed. Another modification review began on January 5,2011. We received your signed documents on April 13,2011, and your modification was submitted for approval. On May 3, 2011, your review was declined for the Home Affordable Modification Program (HAMP); however, remains under review for other possible modification options as of the date of this correspondence. Your assigned negotiator is Mr. Nicholas Neisen can be contacted directly at 1-877-430-1431 ext 204319, Monday through Friday from 12:30-9 pm EST. Please contact him with any questions pertaining to your loan modification review. 


Please note that there is no guarantee of assistance and approval is dependent upon several factors, however, Bank of America is committed to finding the best possible solutions for our customers. Please know that we are striving to find the best possible solution in the timeliest manner possible; however, the review for loan modification is lengthy, requiring updated financial information every 60 days. Updated documents are required for an accurate review for assistance and we may request these documents multiple times. 


My attempts to contact you on July 8,2011 and again on July 13,2011 were unsuccessful. Unfortunately, the Authorized Third Party (ATP) we had on file pertaining to Ms. Christine Sawyer, is no longer valid. Ms. Sawyer was the ATP for the Countrywide loan ; however, Bank of America now owns and services the loan. Privacy policy states that Ms.Sawyer must sign a new ATP in order for Bank of America to speak to her regarding this account. 


Mr.Sawyer, at Bank of America, we strive to provide our customers with quality service. We believe our customers deserve the utmost courtesy and respect during all interactions and we understand that the service we provided did not meet your expectations.


Thank your for your relationship with Bank of America. We appreciate your business, and we will continue to work to earn your trust and confidence so that we may provide options for all of your financial needs. If you have any questions, please contact me directly at 1-888-688-2286 ext 8238 Monday through Friday from 8am to 5pm MT.
Sincerely,
Nic Mosman



Ok let me just say OMG does this letter just royally PISS ME OFF! Because he really throws us under the bus. Here is the highlights of what really really irks me:
1- Further, you expressed a lack of understanding of the foreclosure process. Not ONCE did I say anything about not understanding the foreclosure process. 
2-A payment in the amount of $853.18 was required along with your signed and notarized modification package to facilitate approval. That did not occur. We had discussed with the representative that since there was over $900 in the holding pot that we did not have to make that initial payment and that was told that it was OK for us to use those funds for the first payment.
3-On December 12, 2009, your modification was decined. This is new news to me because the paper work was not due back until December 17,2009! The actual decline was March 17,2010.
4-Another modification review began on March 26,2010, in with a request for financial documentation was made and required to be returned by April 17, 2010, we did not receive the requested documents by this required due date. Let me just call BS right now because I had faxed AND Fed-Ex'd the paperwork requested to them NUMEROUS times! 
5-Your loan was declined for the Making Home Affordable (MHA) program on June 26,2010 due to a high positive surplus, but was kept open for further review options. WOW this yet again is new news to me! We did not receive the decline letter for this until March 2011! Talk about taking their time letting their customers know about it! We received over 10 Fed-ex Packages for the MHA in the month of June all the same wanting us to fill out the same paperwork that we had already sent in 3 times before in April! Their high positive surplus...........what high positive surplus? We came NO where near what they said we made a month! They stated we made over $5k a month (in what world?) He brings home $590 a week after taxes before taxes its $845 per week and they calculate it at 4.3 weeks so that's $3633.50 per month before taxes and health insurance. Not only that they were using MY income and I am not even on the loan! 
6-During this review process you made a request to honor the offer from November 2009, but were denied and review continued. Ok I made this request in March 2010 and in August of 2010 after contacting the Office of the President of BAC Home Loans,LP. This was after contacting the BBB and speaking with Stephen Fitzgerald. 
7-A proprietary modification offer was sent on August 27,2010, with a request that documentation be returned by September 10,2010. As of October 6, 2010, the documentation had not been received, and your review was closed. This modification was declined because our negotiator at the time (Amy Nemoyer) told us NOT to sign and send back the docs because she thought we could do better than that. 
8-Another modification review began on January 5,2011. We received your signed documents on April 13,2011, and your modification was submitted for approval.What in the hell are they talking about? We submitted updated information as of Jan 5,2011 we also submitted all signed docs on the SAME day Jan 5,2011 not April 13,2011. That is just when the Negotiator decided to input them in the system Not us! 
9-On May 3, 2011, your review was declined for the Home Affordable Modification Program (HAMP); however, remains under review for other possible modification options as of the date of this correspondence. Dear God REALLY??? Their use of the word "review" makes me sick. It was supposedly sent to the investor on May