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Class Action Lawsuit Against Bank of America

By: Alexis McGee | Written: February 9, 2011

Bank of America is in trouble again… this time Robbins Geller Rudman & Dowd LLP announced a class action lawsuit has been filed on behalf of an institutional investor in the U.S. District Court for the Southern District of New York against Bank of America Corporation (BofA). (Learn more tonight in my Free Foreclosure Investor Webinar at 6pm PDT, 9pm EST. Details here.)

The allegation is that the defendants issued materially false and misleading statements regarding the company’s business. Defendants concealed defects in the recording of mortgages and improprieties with respect to the preparation of foreclosure paperwork that harmed BofA’s investors when BofA had to temporarily discontinue foreclosures and admit to the problems it was experiencing.

For much of the class period, defendants also concealed that BofA had previously engaged in a practice known as “dollar rolling,” wherein it omitted billions of dollars in debt from its balance sheet reported to the public. As a result of defendants’ false statements, BofA’s stock traded at artificially inflated prices during the class period, reaching a high of $19.48 per share on April 15, 2010.

According to the complaint filed, the true facts, which were known by the defendants but concealed from the investing public during the class period, were as follows:

►BofA did not have adequate personnel to process the huge numbers of foreclosed loans in its portfolio;

►BofA had not properly recorded many of its mortgages when originated or acquired, which would severely complicate the foreclosure process if it became necessary;

►Defendants failed to maintain proper internal controls related to processing of foreclosures;

►BofA’s failure to properly process both mortgages and foreclosures would impair the ability of BofA to dispose of bad loans; and

►BofA had engaged in a practice known internally as “dollar rolling” to remove billions of dollars of debt from its balance sheet over the prior years.

For more information on this lawsuit, visit www.rgrdlaw.com.

This is not good news for BofA stockholders. I wonder what impact this news will have on the selling of their short sales and REOs? From what I have heard/found, using BofAs (and GMACs) Equator online system, which is not perfect, it is much better than many lender systems out there. (The Equator system is a workflow system that handles short sales, with it’s primary aim of reducing the waiting time related to short sales and effectively keeping foreclosure at bay while the short sale is being completed.)

The million dollar question is, “will they approve more wholesale deals to move more properties?” That would be a boon for investors. Stand by for more details here as they unfold…

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75 Comments

  1. [...] This post was mentioned on Twitter by Chris McLaughlin, Alexis McGee and Jonathan Aven, Starlet Jordan. Starlet Jordan said: Class Action Lawsuit Against Bank of America http://dld.bz/MaJA [...]

  2. Bob Kolstad says:

    Just read your article 2/9 B of A Class Action. Every homeowner in America should be bringing suit against all the banks for their illegal practices. We can no longer allow criminals to financially control and strangle the American public for their own profit.

    • Robert Conneilly says:

      After proposing a business deal with BOA, I was required to invest pretty much all of my liquid assets to fulfill my end of the deal. Within two weeks of closing, BOA was to furnish a revolving credit line based on the current market value of the investment property. When I asked them to provide a guarantee in writing, they told me that they would do so as soon as I was the “Owner of Record”, which would be the next day. When I went back the next day to file the application paperwork, they again told me that the credit line would be in place within two weeks. Three days later they called to tell me that they had declined my application for the revolving credit line. I climbed their corporate ladder, trying to get the matter straightened out, only to be told that they were comfortable with their “exposure”, since they hadn’t provided the written agreement that I had requested at the beginning. I lost my primary residence, as well as the investment property, and went from an 813 credit score to being completely ruined, financially. This hit me especially hard since my only current income is SSDI.

  3. Consumer Advocate says:

    Banks were bailed out by our tax dollars only to screw the American consumer in return. If you are a business owner and have been denied credit, loans, refinancing or they are trying to take your home and business, join me as we create our own class action suit. Just contact me at Businessagainstbanks@gmail.com

    I just spoke with a veteran employee of Wells Fargo who has decided to quit as she cannot take the treatment of her customers any longer! Banks are trying to undermine the success of business owners, especially women and minority owners who are underserved! We need to unite as together we are even more powerful.

  4. aluminyum says:

    of business owners, especially women and minority owners who are underserved! We need to unite as together we are even more

  5. gail gaines says:

    I was forst to shell sell, B of A would not modify or refinance my house.

  6. L. Gaines says:

    I was forst to shell sell, B of A would not modify or refinance my house.

  7. I.John says:

    I am looking for an attorney that would work with me concerning my loan modification with B of A. They will not modify my loan and now its treating us to foreclose on our home. HELP

    • molly says:

      We also need an attorney to help us. If you found one, please forward us the information and your experience. Though I doubt it is any different from ours.
      Thanks

  8. Jackie Kolakauskas says:

    because of their fraud they tried to bully me into deeding my home over, because I was behind in my payments. They also sent me fraudelent docs.

  9. mark Harris says:

    I wa sent some classaction paperwork in may 2011 regarding Countrywide .I have yet to hear back I sent the paperwork in .Has anyone had the same experience and is the a number and or e-mail
    address to contact the law firm

  10. steve kammerer says:

    i had a beautifl house in draper ut 4,000 sqf
    wife and i made a nice living but she was in morg banking for novastar when it crashed so did we she could not find a job for months drained our savings trying to keep up house payment
    contacted coountrywide for help for three month they told us it was in process then low and behold countrywide filed bk we never got and answer for help w a mod loan so next we got a letter from bofa telling they now have the loan we sent everything they asked for to review and to pos help with a mod loan for six month we sat on pins and f neddles and everytime we called or emailed its in process yeap six month then we got a letter saying that they sold our load to consor not sure on that name its be a while well i am sure u have the rest we lost our house filed bk and now divorce and i live in a one bed apt and i blam it all on b of a and the lies i want something done and make all the high paid ma pay for all the hurt pain and yes divorces across the states

  11. Yin King Chong says:

    I got your info form the website and asking to join the law suit against BOA. I did not find anything form your web site I can join the law suit

  12. A. Dickson says:

    My wife and I applied for a loan modification and B of A took so long to approve it that by the time they did our mortgage payment end up higher than it was before we applied so we had to decline it. Who do I talk to about this lawsuit?

  13. maxine anderson says:

    i applied for a loan modification an d bank of amercia took 9 mos to reject it……….

    • Alexis McGee says:

      I’m sorry to hear that, I know it’s difficult when you are in limbo waiting. Now you know the answer and will need to find another solution for housing. I wish you the best of luck. Blessings.

  14. norma llerena says:

    I would like to be part of the class action law suit against bank of America. I tried to get a loan mod. I could not. I am now forced to do a short sale since June. Because b of a takes soooo long a buyer walked. A second buyer is waiting and b of a negotiator does not return calls or e mails from my realtor

  15. Martha Hyde says:

    I WANT TO START A DAVY CAMPAIGN AS IN DAVY vs GOLIATH.

    IF PEOPLE STOPPED DOING BUSINESS WITH THE BANKSTER TERRORISTS, THEY WOULD FALL. HARD AND BEYOND OTHER BAILOUTS THAT TAKES YOUR MONEY IN ORDER FOR THE BANKS TO BE ABLE TO TAKE YOUR HOMES.

    TAKE ALL OF YOUR MONEY OUT OF THE NATIONAL BANKS AND CUT UP YOUR CREDIT CARDS.
    ONLY DO BUSINESS WITH YOUR LOCAL HOME TOWN BANK.

    WE CAN DO THIS.

    OUR TAX DOLLARS BAILED THEM OUT. ALL WHILE THE BANKS WERE CALCULATING HOW TO TAKE HOMES. IT IS THE SAME STORY OF THE HOME OWNER OVER AND OVER AGAIN. THEY DID THE SAME TO EVERYONE. IT WAS A PLAN FROM THE GET GO. THE REFI SHUFFLE WAS A CON GAME, IN WHICH THE UNSUSPECTING WERE CAUGHT UP AND LOST. I BELIEVE THIS TO BE A REAL CONSPIRACY AGAINST LAND OWNERS.

    ALL THE WHILE THOSE WHO REPRESENT US IN DC, KNEW WHAT WAS GOING ON. IF A SERF CAN FIGURE IT OUT ONCE THEY HAVE BEEN VICTIMIZED, YOU HAD BETTER BELIEVE THAT WASHINGTON DC LET IT HAPPEN. THEY KNEW WHAT KIND OF GAMES WERE BEING PLAYED AND INSTEAD OF CALLING THE BANKS ON THE ILLEGAL, DIRTY, INHUMANE, SCAMS, THEY BAILED THEM OUT WITH OUR MONEY!

    FURTHER, NO MATTER WHAT CONDITION THE HOUSE IS IN, BURNED TO THE GROUND OR BADLY VANDALIZED, THE BANK IS INSURED BY THE GOVERNMENT SUBSIDY. THE BANK LOSES NOTHING. THE BANKS GET THE VALUE OF THE LOAN ON THE HOUSE EVEN IF THERE IS NOTHING LEFT OF THE HOUSE! THE BANKS ARE RECEIVING BAIL OUTS AND SUBSIDIES FROM THE VERY PEOPLE THAT THEY ARE WORKING HARD TO DESTROY.

    THE BANK DOES NOT LOSE A DIME!

    THE BANKS WERE BAILED OUT BY OUR TAX DOLLARS. OUR MONEY IS ALSO COVERING THE BANKS ON LOSSES DUE TO THE CONDITION OF THE HOUSE.

    PEOPLE DO NOT UNDERSTAND THAT THE BANK IS COVERED AND LOSES NOTHING NO MATTER WHAT.

    MEANWHILE, HOW MANY PEOPLE HAVE COMMITTED SUICIDE OR HAD HEART ATTACKS BECAUSE THEY WERE LOSING THIER HOMES? HOW MANY FAMILIES WILL BE DESTROYED AND NEVER RECOVER? HOW MANY ARE HOMELESS BECAUSE THEY CAN NOT GET BACK ON THEIR FEET? HOW MANY CHILDREN ARE HOMELESS AND SUFFERING BECAUSE THE BANKS HAVE AN EVIL AGENDA?

    HOW MANY SERVICE VETS HAVE THEY PUT THE SCREWS TO?

    FOR CRYING OUT LOUD, WE HAD A REVOLUTION OVER THE TAXES ON TEA!

    WHY ARE WE ALLOWING THE BANKS TO DESTROY THE AMERICAN DREAM? WHY IS OUR GOVERNMENT SUPPORTING THEM IN DOING SO?

    OUR GOVERNMENT DOES NOT CARE ABOUT THE HOME OWNER. THE GOVERNMENT WILL ONLY HELP FURTHER DESTROY INDIVIDUALS AND FAMILIES BY NOT PUTTING THE SMACK DOWN ON THE BANKS.

    I, AS AN AMERICAN CITIZEN, DO NOT WANT THEM TO GET AWAY WITH DESTROYING THE AMERICAN DREAM. LOWERING THE STANDARD OF LIVING ON MILLIONS OF HARD WORKING AMERICANS IS UNETHICAL, IMMORAL, GREEDY, CORRUPT AND DOWN RIGHT EVIL.

    PLEASE, YOU ARE WELCOME TO COPY THIS STATEMENT AND PASTE IT ANYWHERE IN ORDER TO GET THE WORD OUT.

    I CALL IT THE DAVY REBELLION!

    HOW TO JOIN THE DAVY REBELLION—NO PPENALTIES, NO FEES, NO DUES, NO BACKGOUND CHECKS! (HA!)
    TAKE ALL OF YOUR ASSETS OUT OF THE BANKSTER NATIONAL BANKS AND ONLY DO BUSINESS WITH YOUR LOCAL BANKER.
    CUT UP YOUR CREDIT CARDS.
    DO NOT DO ANY BUSINESS WITH THE NATIONAL BANKS.

    LET US. WE, THE PEOPLE, FIGHT FOR JUSTICE OURSELVES AND CIRCUMVENT WASHINGTON, DC. OUR BUREAUCRATS ARE NOT LOOKING OUT FOR WE, THE PEOPLE.

    I WILL NOT STAND FOR- OF THE CORPORATION, BY THE CORPORATION, FOR THE CORPORATION!

    PLEASE ALERT ALL! JOIN THE DAVY REBELLION TODAY!

    • Anthony says:

      I am with you, only problem is the banksters only targeted a small number of consumers so it will be very difficult to get people on board because most people do not want to sacrifice what they have. The sad truth is Bank of America is a government-sponsored bankster and the few of us that fell for it we’re screwed.the only way that I believe we can win is if somehow we all unite together and file a suit but finding an attorney is almost impossible they’re all not willing to represent consumers because it’s going up against the United States government.I cannot even describe how betrayed as an American citizen how unAmerican my government currently Is. isn’t it something to live in a time where the President of the United States supports a program that will put millions of homeowners out of their homes and no cash and no future.the last 6 years or so since December 21st of 2007 for myself has been and experience that is undescribable. Everything the bank has done since I closed on this mortgage has undermined my ability to pay my debt. I don’t know who or what entity is going to step in and stand up for an American homeowner. I can’t believe the intentional and an obvious measures that the people we are forced to talk to are taking 2 basically ensure our failure the numbers don’t match the mask that they’re using doesn’t work it goes against all common sense but yeah we’re supposed to make sense out of it its criminal and people should be arrested for the next 10 years then it’s not going to happen which is beyond criminal .

  16. Kathy Payne says:

    I have a account with bank of america for the past 3 mounth I have had to pay. overdraft. I am going to change banks Inthe next few weeks. I would like to know how I can be apart of this lawsuit? here is my information 801 bixie st apt 4 bristol, va 24201
    phone 276-696-2360. thank You

  17. Dina Bennett/ says:

    Bank of America agent told all my mortgage account information, including payment history and amounts face to face to my renters, didn’t confirm if the renters were me the owner of the home Dina Bennett . Also Fed Ex delivered packaged enveloped never opened to my home I’m renting out to the renters and didn’t verify if they were the owner and gave them my mortgage information. I’ve given the renters several eviction notices and they have been $20 per day after the 3rd of every month late fees, I’ve filed court papers and the total they are responsible to pay me for if around $3,000.00 in back rent not paid and late fees. They are almost 3 months living free in my home and they as of 11/8/11 are still living in my home rent free, in excellent repair and working condition, nice home, they also have a dog there which is not allowed on the lease they signed. The Husband renter living in my home signed an eviction notice o-n 8/26/11 to be out by the end of the month, they decided not to pay 9/1/11 rent up until todays date 11/9/11. I want to file a Class – Action Lawsuit against Bank of america giving out my confidental mortgage account information to my renters face to face, the renters called me and told me all of my account information, they repeated it all to me, also renter said he has a lawyer and lawyer called bank of america and was told all of account information also, this is a breach of confidiality. Can you please help me?

  18. Dina Bennett/ says:

    Bank of America agent told all my mortgage account information,

    including payment history and amounts face to face to my renters,

    didn’t confirm if the renters were me the owner of the home Dina

    Bennett . Also Fed Ex delivered packaged enveloped never opened to

    my home I’m renting out to the renters and didn’t verify if they

    were the owner and gave them my mortgage information. I’ve given

    the renters several eviction notices and they have been $20 per

    day after the 3rd of every month late fees, I’ve filed court

    papers and the total they are responsible to pay me for if around

    $3,000.00 in back rent not paid and late fees. They are almost 3

    months living free in my home and they as of 11/8/11 are still

    living in my home rent free, in excellent repair and working

    condition, nice home, they also have a dog there which is not

    allowed on the lease they signed. The Husband renter living in my

    home signed an eviction notice o-n 8/26/11 to be out by the end of

    the month, they decided not to pay 9/1/11 rent up until todays

    date 11/9/11. I want to file a Class – Action Lawsuit against

    Bank of america giving out my confidental mortgage account

    information to my renters face to face, the renters called me and

    told me all of my account information, they repeated it all to me,

    also renter said he has a lawyer and lawyer called bank of america

    and was told all of account information also, this is a breach of

    confidiality. Can you please help me?

  19. Terry Biggs says:

    I would like to join the class action suit against BOA. Could somone please send me a name of someone to contact?

    Thanks so much – Terry Biggs

  20. ned treanor says:

    MANY PROBLEMS with Bank of America…too numerous to mention!

  21. Dolores Camacho says:

    I would like more information as to what law firm is representing all
    these hard working Americans like me bringing the lawsuit against
    BOA. like them, BOA has acted in bad faith as to helping through the
    HAMP. They have lied week after week about placing me on a program that will help me. My house is about to go on the auction
    block and still they have not responded with any documentation.
    I am more then willing in joining the lawsuit against BOA. Please
    email to give more information. Thanks

  22. ken carter says:

    would like more information as to what law firm is representing all
    these hard working Americans like me bringing the lawsuit against
    BOA. like them, BOA has acted in bad faith as to helping through the
    HAMP. They have lied week after week about placing me on a program that will help me. My house is about to go on the auction
    block and still they have not responded with any documentation.
    I am more then willing in joining the lawsuit against BOA. Please
    email to give more information. Thanks

  23. Barbara A. Wilson says:

    My husband and I applied for a Home Modification loan in May 2010 and it took me hours on the phone to get to the right department. We live in Indiana and there are so many homes in our area that have been left from their owners. We owe more on this house that we could sell it for. People are walking in these houses that were left only paying half of what I still owe on my house. I am 71 and my husband is 78. To make a long story short we applied and was accepted after filling out a hardship letter and mounds and mounds of paperwork and spening hours on the phone. We were told to make trial payments starting in June 2010 through August 2010. Our original payment was $1,095.50 and the trial payments is $791.31. I called every month and was assigned a Manager for my account and I made my payment every month. When the end of June rolled around I heard nothing. I made every trial payment and was not behind in payments. Every month they changed my account manager and I had to go though my story again. My husband could not handle the stress so I did all the talking.
    Well after almost a year BOA sent somebody to our home to close on the new loan on March 26th. I still keep calling and they tell me they will let me know when everything is filed. We makes us sick BOA has ruined my husbands credit. Everytime we make a payment BOA deducts the $791.31 from the $1,095.50 and reports to all the Credit Bureaus that we are behind and they also take that money and put it in back of the loan.
    Every month that the new loan does not start BOA takes the extra money and will put back of our new loan when ever that will be. Since this has ruined my husbands credit and he is the only one on the loan this has caused so much stress on him. You try and do the right thing and your credit gets ruined either way. I am a pretty strong woman but this has put me under a lot of stress. I called my Manager at BOA and told him this has ruined my husbands credit and he says he knows it but they will fix that in a few months but I know they won’t.

  24. Joseph says:

    Above I have read a few very familiar stories. I too have felt the doom of BoA. I will not get into the full story here as I wish to FIND and attorney to go over it. Needless to say, I jumped through the hoops, did the dance all to the tune of deny, deny, deny. Whereas all of the letters I received say I withdrew, withdrew, withdrew. When the foreclosure date approached, (my house was on the market,) I began selling everything I could to afford a move. Appliances, tools, (tools were my life,) and I left two days before hand. My rep said there was nothing that could be done and it was over. I tried to move on. And was. For better or worse, it was over.

    Then, two weeks and 150 miles away I received another letter from yet ANOTHER account rep wanting to help me avoid foreclosure. I start calling. 28 days after the foreclosure date, I finally get an answer to why I received the letter…

    … The foreclosure was postponed indefinitely and the house, (now labeled by BoA inspectors as abandoned,) IS STILL MINE!

    More payments added to the principle and the phone/paperwork shuffle continues. SOMEONE OUT THERE HELP!

  25. lillie richardson says:

    bank of amercial fraud me out of over $ 12,000 my phone (205)3277180 adderss p.o. box 722 BIRMINGHAM,AL. 35201 I WOULD LIKE TO TAKE PART IN THE CLASS ACTION.

  26. i would like take part in the class action lawsuit phone (205)3277180

  27. part in the class action lawsuit (205)3277180

  28. i would like to take part in the class lawsuit.

  29. mike says:

    BANKOFAMERICA TOOK MAY PAYMENT AND PUT TOWARD PRINSIPLE NOT MAYS PAYMENT PLUS TOOK MY NAME OFF LOAN AND LEFT IT IN MY WIFES NAME WITHOUT MY PERMISSION WHAT SHOULD WE DO

  30. Robert Conneilly says:

    BOA failed to live up to their end of a business deal, and decided to drag it out as far as they could. When I climbed their corporate ladder in order to fix what they had done, they kept telling me to keep my payments current on the deal, and my home, until they were able to fix their “mistake”. With no other choice, I extended every credit line I had to keep things current while they “made it right”. Once I had reached the CFO’s office, and had maxed out my credit, they told me that they were “Comfortable with their level of exposure”, and renegged completely on their end of the deal. I lost the investment property, my primary residence, my credit rating and all of my liquid assets. (In other words, everything) If there is any way for me to restore any of what they took from me, I would be very interested in doing so. I am currently trying to survive on SSDI income, alone. My family has to help me to pay my bills every month. I only wish I could sue for humiliation.

  31. Sherry says:

    After 2 years BofA finally foreclosed but are still reporting it as 120 days late. What can I do and anyone else having the same problem? I had tried to do a mod, short sale they wouldn’t do either so I walked and it took them 2 years to foreclose. And I want to clarify that they first sent foreclosure paperwork in 11/2010 then didn’t foreclose. Then reversed foreclosure trustees sale in 09/2011 then in 12/2011 did another foreclosure and finally foreclosed in 02/2012. Still reporting 120 days late. Had reported foreclosed on Experian for 4 months and now 120 days late. What to do?

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  33. Robert Ligon says:

    I have filed a lawsuit against Bank of America and can’t get proper legal counsel because Bank of America is doing business with many law firms. If you have time to read my complaint, please do so and advise to how I can obtain counsel. The case is filed in the U.S. District Court for the Northern District of Georgia. Case# 1:11-cv-03811-RWS-JFK. Case is being passed around to judges. I am not filing a foreclosure claim, which the last judge implied.

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  40. Robert Vaillancourt says:

    I’m from New Hampshire , my local BOA office told me I could apply for a loan modification only after being three months in arrears. I did all the paperwork they asked for. I was told my mortgage had gone into foreclosure after 16 months of waiting for an answer on my loan mod. Are there any Class action suits in NH.? My home is empty and I’m living in an apt. Where can I go from here ?

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  44. Renee Sumter says:

    I would like to speak with someone about the class action suit against Bank of America. Can someone please someone please contact me.

  45. Shelley Ross says:

    Bank of America targeted us from day one and has spent almost six years lying to us. We are now yet another victim of their Fraudulent mortgage practices. Please send any information you may have about any new class action suits against them. After reading some of the stories I’d just like to say wafter taking out extra insurance without our knowledge or permission, and lying repeatedly about it, we started struggling to make the higher payments. We were just 2 weeks late, for the first time, on our mortgage and when I called and asked if we could pay half of our loan to lower the payments they said it wouldn’t change the payment amount at all. I actually called three times in a row.obviously getting a different person each time, thinking the first person didn’t know what they were talking about. But all three times they said it wouldn’t lower our payment. When asked about refinancing they said we didn’t qualify because we were 2 weeks late on our payment. They even blocked a short sale. Then after trying to get it put back into deed in lieu for over a year a redc rep got them to put it into deed in lieu. There were six steps to the process, last one being bofa processing it. We did all we were suppose to do and right when they were going to finish it all up … They sold the note to a different bank! They say they can no longer help us since they don’t hold Yeh note but have sent several letters to us about foreclosure.

    It’s hard to get the real picture painted about everything they have done to us over the course of almost six years while thumb typing but if anyone knows of any law firms starting another class action suit against bofa please please please contact me. Ladydeerheart@loveable.com

  46. Benita Brown says:

    My husband had a stroke in May 2008, we tried to do many short sales, about 20 with four different real estate agents. B of A denied every last offer. They lost paperwork, didn’t return calls, setup ridiculous procedures for the agents to follow,and refused documents. I lost the house last year to the association which said B of A just gave it to them. When I contacted B of A thet said they didn’t have anything to do with it and we still owe them 339,000. My husband and I are both veterans and served a better America than this.

    Please contact me for a class action suit.

  47. MIGALE NORWOOD says:

    I AM a victim of Bank of America lying and denying practices as well…they have tried to swindle me into accepting a lose/losing way out…just as they did with the hiking interest rate on the credit card i had with them in 2008′
    Now they have lied to me about modifying my load under the programs set by the government after the bought the loan from countrywide for $.30 on the dollar and received billions from the government to cover all of the owed balances they took over from country wide…so if someone had $100,000 loan balance with country wide…BoA probably bought it for $30,000 and the customer was told to send payments to BoA from that point on; the, they signed an agreement with the government to take over the loans from country wide and receive billions to correct the housing market slump…in which they did not do respectfully, but did foreclose on many of these properties and constantly lie and mislead home owners/ customers of their qualifications after they had proven that they qualified for one of the 100+ programs…
    Now, why are we in so much debt in America? Its very sad and disturbing, but if we don’t stand up against this then there will be no way our economy will ever recover…As a fair class citizen when I should be a middle class citizen…I AM finding it very hard to see why I and many of MY fellow AMERICANS should be subjected to pay taxes and the money be given to the Banks on hopes that they do the right thing…
    And the crazy excuse I have received from Bank of America is that FHA/THE FEDERAL GOVERNMENT guidelines says I don’t qualify…and if that’s so, then why are my tax dollars being used by the Banks to make more money for themselves?
    When I have clearly proven my qualification from a number of hardships with documents to prove it have been presented from surgery in 2012′; to being locked up because of someone using my drivers license in April of 2010′ and the officer apparently did not follow proper procedures when he pulled the person over on a seat belt violation; and my debt card was also used in several areas as well as the bank where these people were able to get money out of the atm by using my pin#…so, i was locked up after being stop in August 2010′ for failure to appear in court…and I presented the proof as well…lost of vehicles one to fire and the other one was stolen also in 2010′ probably by the same person or persons who had something to do with my wallet being missing…
    Besides all of that and more…I AM still facing foreclosure and Bank of America is still being exposed of cheating the American people and our Government with our own money…And my house is about 300+% under water…
    Again, I want to ask you…”Why is our economy is debt?”

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  49. Eric Cappas says:

    How can I Join this is what happened to me

    I stated my modification in 2010. In April of 2012 I was given a modification and was told to make the trial payments and I did and then the payment changed to the permanent modification payment of $1077.57 then 11 months later I was told I didn’t have a modification and that all my payment were taken as partial payments and they didn’t even pay the interest. My principal went from $ 158,000 to $174,000 and I paid them over $16,000 in modification payments. They serviced my modification incorrectly, and I am made to pay the price. How is this right I have all the papers they sent and I sent them from day one even the paper saying this is my new payment ( where they change the amount of my monthly payment) also I have a letter they sent like two weeks ago stating that my last full payment was made in July of 2013 and the payment is for $1077.57 so one of there many offices agree that that was the full payment as to the modification but I have to start a new modification according to Bank of America because as they said they never finalized the modification. How am I to know what they did I know what they told me and what the letter they sent me as to changing my payment and the one that my last full payment was in July of 2013.

    I would like to enter in your suit and I have all the minuets at to who I spoke to the time, the dates, who signed for FedEx envelopes I sent them I sent papers over 24 times and they were lost every time my whole life was in those papers and the final papers I sent twice and they say they didn’t get them in time when I was told by the rep I had at the time she had them and all was final to just make my payments and I can finally go on with my life.

    Well that didn’t happen!

    To boot I had surgery this year and while under the knife someone checked my credit and they lost my whole life 24 times know I have to deal with that.

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  52. Lori Knechtel says:

    To whom this may concern,

    My name is Lori Knechtel, And I have had an account with Bank Of America for approxamently 9 yrs.
    I havn’t had too much problems with them till now. They have an online bill pay section on the page.
    I went in on the 26 of February, 2013, and requested one payment to Investers Financial.
    I Keep a pretty close eye on my account and when Bank Of America made 2 payment, This caused me to be short.
    I don’t know why they did this, other than the fact that Bank Of America is fixing to change to Washington Federal bank.
    I also found out that Obama is one of the share holders and I don’t think I should have to fix their mess up.
    Can you help me?

    Lori Knechtel

  53. Suzanne N says:

    After my husband and granddaughter became ill one after the other I had to stop working and fell behind. BoA would not work with me and continually and conveniently lost paperwork. Value on my home dropped from 184k to 99k in just 3 years. It’s been a nightmare come true. I have filed bankruptcy to get from under BoA where my tax dollars are not working. As an independent contractor I worked as a closer and BoA had no problem getting paperwork for folks in the right income bracket. I really believe my age was a factor in how this was handled. My husband and I are both seniors on retirement income.

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