- Bank of America messes up my loan because the person doing my paperwork was a newbie. No biggie, right?
- Branch manager offers to fix the issue and prioritize it so that we can close in time.
- Branch manager is unable to fix it in time so offers to pay our closing costs and re-finance the loan afterwards.
- Branch manager leaves the company after our loan is completed.
- Don't qualify for re-fi because we owe more than the house is worth.
- Don't qualify for loan modification because we've never been late on our payments.
- Reported to FHA. Got in touch with local news station. Immediate response from BofA's Office of the President.
- Rep from Office of the President that was "assisting" quits 2 weeks later.
- Get another rep and they start a "forced" loan modification. Assign me another, lower rep and promise follow-up in 2 weeks.
- Repeat ad nauseum until I literally can't even and decide to foreclose because it's such a cluster.
Your last few sentences really strike a chord here. I totally feel for you.