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I have four full folder files (about 4 feet high) of my relentless efforts to get help from nasty old Bank of America and Mellon Bank to receive help with five mortgages that were great and fully documented loans originally with Country Wide Home Loan!!! It has been over thirty five (35) months and countless letters, faxes, and over 1,500 personal and confidential documents faxed to nasty old Bank of America. I likewise created a very substantial and huge "paper trail" with copies to the Consumer Financial Protection Agency" , the "Consumer Protection Agency", and even the White House!!

I never did hear from these agencies or the White House, but the two agencies supposedly posted the complaints. Just in the last year I was finally able to get Bank of America to finally modify four of the loans. As most people know Bank of America received over fifty two (52) BILLION in bail out funds to help people like me and the Internet is FULL of all the terrible, non-responsive, abuse and total breaking of the law in how they professed to help people. This whole thing was a big shame shoved down us taxpayers throats and also the numerous lawsuits relative to this.

After all this they finally merely extended the four loans out to nearly 50 years with the same high interest rates and they were finally complete so I can hopefully make the payments until we get a half way decent market to hopefully sell some property. This last loan was serviced by Mellon Bank which I am sure is a subsidiary of Bank of America.

They had notified me in early spring that this mortgage was being transferred to ShellPoint mortgage and then they withdrew that offer and have continued to harass me with threats and demanding again a multitude of documents that they have had on file (actually multiple times in ALL these months) and move in the meantime transferred my supposed "one point of contact" and supposed "Account Manager" to over nine different people and ALL making claim they are from the supposed "office of the CEO and President"- this is a total scam and falsehood I am sure as these various people are in no way educated and connected in this supposed high office to help people (even talking with them you know immediately that they are substandard jobs with B of A!!!

Just got a new letter today that they are now transferring this loan again to ShellPoint!! I have read good and bad things on the Internet about ShellPoint. Anyone know about the true status of this company and it is in fact not another affiliation of B of A? Our country has been destroyed by all these crooks and cronies with our bid lending institutions and they are back at it again and they all misused the bail out money to further their own greed and power. They should have bailed out all the homeowners with a stipulation that they must pay off their mortgage and buy a new car- I think that would have properly resolved a whole lot of our problems rather that the governments total misuse of our money and letting these crooks continue to thrive. I do believe they have grown too big and far too corrupt to fail.

Reason of review: Poor customer service.

Monetary Loss: $750000.

Preferred solution: Full refund.

Location: Montrose, Colorado

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Guest

B of A stealing my home!! And now selling my home loan!! Regina Johnson

Guest

We started out with Country Wide, then to Bank of America, Bank of America then sent our mortgage to another company and then that company sent it over to Shell Point, I have had nothing but problem after problem with them all to getting NO HELP what so ever with any of them I send paper work in for the modification and they just drag there feet then they send it off to another mortgage company, My husband recently passed away and I had turned to Shell Point for help and they just drag me along and I have been told also don't worry your only 2 payments behind, and I'm trying to figure out how and where I am those payments behind!!! They assigned me a case worker that's never there, and when you leave a message for her she emails you to call her very important she talks and when you do finally get a bold of her after been given the wrong number she asks me what did I need, I told her you e-mailed me telling me to call you very important!!

There people are very unprofessional, they are rude when you call to make payments, I've been also getting charged lately for them coming out to inspect my property also!!!

With all these additional charges and such, and plus I have to call my payments in cuz they won't take them on line I get charged for that too, how can one get any where!!! And forget the HARP program,I am just tried of all this , when do us underdogs ever get any help !!

Guest

I am having a terrible time with Shell Point right now. Bank of America is the investor.

It would take a year to discuss how bad Shell Point is. Do you have a senior contact for them or Bank of America for a short sale in Tennessee?

Guest

Your story sounds like mine had countrywide 2005-****' originations but on neg am loans all 5 loans increased at same time causing default and promised to hold start rate 1-2% this default in 2007 pre tarp and pre Bank of America takeover that only further delay California had predatory Countrywide lawsuit and was promised rewrites into 2008 **** this path continued more lawsuits and continued misrepresentations that rewrites soon to come thousands of pages of papers as well and each time intentionally lost causing a full time harassment and continued abuses. These were acellerated called die in 2007 and later removed from my credit reports in 2013 & 2014- during 2009 received only one mod with 3 different dates which they said they'd rewrite once again while sending me through at least 5 assigned one point contacts on each property causing total chaos.

Into 2010 **** more lawsuits by regulators and more false promises 2012 **** that never came instead sent my loans to Nationstar and tried to send to shell point and then took it back which they have done over 4 x at this point including in midst of against pushing off this week July 2016.

During 2013 one property was transferred to two parties

SLS and Nationstar at the same time then into June 2014 an attorney said they worked for investor Nationstar and threatened foreclosure I explained title has another story and is including shoddy bogus forged documents and a broken chain as BANA cannot sell my deed. On top false affidavits recorded that were on its face fraudulent as manipulated a 2008 signature and used same affidavit with changing dates in top but failing on the bottom. The attorney researched and found fraud and agreed any new manipulation a would include only more fraud.

Their own attorney gave back the file staring would not touch this.

6 months later Nationstar found BARRETT DAFFIN FRAPPIER a firm that will do anything for the banks including attempts at hidden sale dates and co conspiring fake made assignments.

Out of the blue this firm filed a sub of trustee and a notice of default.

Outside of state laws and with absolute disregard to agreements made with regulators countrywide and NMS agreements that included Bank of A to be certain all sub servicers were to uphold national mortgage agreements. NATIONSTAR Says they did not agree to agree to the NMS when BANA SOLD THEM THIS DEED minding BofA was not allowed to sell a deed they did not own and at same transfer to SLS who claimed from 2013-**** that they were the servicer assigned by BANA. Nationstar says CONTRARY that BANA transferred to them. Along with this entire mess all 3 of my other properties were being tossed to new negotiators and False reps by BofA giving an imposter rights to be a sub of trustee when they have no rights as they are not the investor in a time barred and removed from credit report.

In January both caused defective and wrongful NOTICE OF DEFAULTS then in February threats with sale date causing to file a BK TO STOP SALE then during bk Nationstar created new fake assignments called gap assignments signed by now a fake person in Florida -- Upon coming out if BK IN LATE JULY disputed the faulty paperwork and then all *** broke loose -NATIONSTAR BROKE INTO MY HOME CAUSING MASSIVE WATER DAMAGES AND MAKING MY HOUSE UNINHABITABLE then on top said could not modify a house that is uninhabitable. At same time Bofa on my other home started making up fake notes and having wrong parties holding these new versions Blank Rome was hired stating they only represented BOFA yet held notes that would be considered as stolen and had manipulated markings. Several OCC AND CFPB Complaints the OCC WAS delayed lost my complaint and it reappeared after filing a 3rd complaint against BOFA during which more false documents and including forgery of my signature. CFPB does nothing.

The banks know that they can continue in rampant abuses as they even stated fraud is mute point. So many abuses threats to remove me physically and multiple hospitalization six in last year of my family member for acute stress. These Banks are corrupt know they are and don't care. No real owners exist and claims of assignments into trusts are bogus.

The FDIC has a suit against BofA and NYMB as falsely making fake certifications of loans existing in trusts when they aren't there. This is amazing that the LAPD says be careful as these entities are acting criminal. I'm now wondering again if Shellpoint is going to be as bad as Nationstar or perhaps worse than BANK OF AMERICA.

Public trust is not upheld and fraud continues on by these fake claims and include fake notes and forged fake assignments. Nationwide title clearing is same as LPS except now they use dba for making up persons and I've filed complaints with Florida and hear nothing back the only thing was NTC announcing to move from Florida next to Nationstar and BDF IN DALLAS TEXAS AREA.

Guest

I agree 100%, if you ever need me for a class action suit, I'm available.

Guest

Boa has ruin our credit and has faululent charges.For 4.5 years our house was in forcloser. I cant tell you the lies , paperwork they lost.In all this time I must have talked to 200 people that worked for BOA, none of them could give an answer to your account.

Each one would say I'm sorry we dont handle that let me transfer you!!

Bail out was a big mistake for us .The government didnt protect our credit.I wrote to almost every groverment , senator s, congress representatives. At the time I went into defaut my mortgage was 148 thousand , modifacation 204 thousand 35thousand was intrest and penalties which they put back into mY mortgage and now I'm paying intrest on my intrest..Now my loan is being sold to shellpoint .im still going to sue BOA even if I have to go it alone

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