Old 06-03-2009, 04:26 PM   #1 (permalink)
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cw/bofa website down and now showing new loan mod i didnt apply for

hi everyone,

the cw/bofa website was down yesterday. now when i check my acct, it shows a new loan mod in progress (I DIDNT APPLY FOR ONE)

i was just approved with naca for a loan mod, it was completed and the website was completely updated.

the updated info is still there but the new loan mod (WHICH I DIDNT APPLY FOR) disabled my payment ability and message feature.

I was told to call cw.BOFA again tomorrow because the systems are down and this is possibly why the info is showing..

just an fyi folks, stay on top of these folks, I will be checking and calling first thing tomorrow


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Old 06-03-2009, 04:33 PM   #2 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

There really are no words. These people are completely incompetent. I'm tired of hearing the system is down. There was a problem with the merger, yada, yada, yada. With a corporation as big as BOA you can't tell me they don't have good tech support that assisted with the system merger to ensure that everything happened as it should. Complete idiots. Does anyone at BOA know what the hell is going on anymore?
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Old 06-03-2009, 04:39 PM   #3 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

i agree cwprisoner.

the timing is a bit interesting if u ask me. My first new payment was originally due on june 1 but I paid my mtg after the paperwork was sent to me so I'm paid up till august 1. However, i feel that this bank is purposely trying to prevent people from keeping their home (i really feel this) and will do subtle things *LIE, stall, harass, destroy paper, the list can go on.. to get extra $$$$$ out of us.

i'm not bitter, i just hate the games
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Old 06-03-2009, 04:56 PM   #4 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

At least there was something there, ( although it isn't even supposed to be there at all) they are supposed to have my file from NACA and working on it, but all it ever says is No workout Info available for this acct". Has been this way since March. When NACA first submitted it showed 2 apprasial a reports and also stated our mod was in Active Processing. Go figure.

Maybe the people who do the updates are in India, like most of the reps you get on the phone when you call there.

They are idiots there. When we first got our mortgage thru them, the first statement we received showed hundreds of dollars over the escrow weshould have been paying, which increased our payment dramatically, as if it wasn't high enough. Seems they were charging me escrow for my ANNUAL property taxes TWICE a year making my $2900 annual property tax $5400! At first they said they had all the correct info. I had to ask them what part of ANNUAL being ONCE a year they did not understand. They fixed it, and then a few months later I had to call again for same issue.

I work for an insurance company and they are notorious for force placing insurance on people stating they have no homeowners insurance, yet the customer has insurance that is escrowed and paid for by CW, or they don't pay the insurance when it is a bill to mortgage.

My husband says they are just making us all squirm waiting for our mods and sucking every last dime they can from all of us. Just waiting like sharks to take our homes away from us, when they are the ones to blame for all of this mess in the first place.
I will do everything I can to keep that from happening as we all should!
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Old 06-03-2009, 05:32 PM   #5 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

makes me sick.. keep fight, we all should. I know I will, this is outrageous
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Old 06-04-2009, 09:42 AM   #6 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

I was told that I couldn't see my acct info because I was in foreclosure. Any questions I had about my loan had to be answered by someone at BoA. I have never been given a straight answer from anyone there.
I asked for a copy of the Notice of Default that I was supposed to have received in Dec. 08. I told them I had never received anything and was called a liar. I got the copy yesterday, the letter was dated Dec. 3, 2008 but the copy of the certified letter signature was from Nov. 8, 2008. I called and asked them if they thought I was stupid. Dated a month apart doesn't prove that you ever sent me anything. I will keep fighting because I am so angry...they will not get the best of me!!!!
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Old 06-04-2009, 10:30 AM   #7 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

good for you merev

i emailed barbara d this morning. waiting for a response
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Old 06-04-2009, 12:28 PM   #8 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

anyone having issues today accessing their online accounts?? I was wondering if possibly they were finally updating my account info ( after 60 days of fighting with them to do so) and 2 weeks of working with the office of pres (Barbara Desoer's office) to get it done. I can access the website, but when I put in my password it says retrieving account info and just sort of hangs there forever, I tried closing the page and also hitting refresh, but it comes back up asking for login again. Should I be hopeful or is it just another CW/BOA website issue?
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Old 06-04-2009, 01:11 PM   #9 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

Never mind was finally able to log in, no change. They are refusing to update my account with the new modification (not sure why) have been told there is no problem with docs or the modification, contacted the office of the pres (Barbara Desoer) over 2 weeks ago, got a call back within 2 hours and the rep from her office has been working very hard to get this fixed, but no one in the dept that fixes this is cooperating with her? They all acknowledge what needs to be done to fix it, but no one will take care of it. I guess it's time for another mass email and fax campaign to anyone that could possible help, local and fla politicians that is joke, got form letter responses last time. Talked to Naca they are also sending emails to CW/BOA but are not getting responses, they say don't worry I have a legal binding doc, yeah right others on here have been canceled with the same docs and if I pay the mod payment it won't get applied just stuck in suspense account. FYI little tidbit of info I found out, for all who have or will get mods, CW/BOA will not send you back a copy of the signed mod, why cause they don't sign them, they just process them and put them in your file, that is their sneaky little trick that way they can always say they didn't agree to or it is canceled it since they didn't sign it.
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Old 06-04-2009, 01:26 PM   #10 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

Quote:
Originally Posted by gray517 View Post
FYI little tidbit of info I found out, for all who have or will get mods, CW/BOA will not send you back a copy of the signed mod, why cause they don't sign them, they just process them and put them in your file, that is their sneaky little trick that way they can always say they didn't agree to or it is canceled it since they didn't sign it.
whoa........ that isn't right!
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Old 06-04-2009, 02:43 PM   #11 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

I never received any signed note on the original note when we purchased our house. We signed the loan documents at a title company and it get recorded at the county recorder and that was it. So, I don't think you get any documents back from them.
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Old 06-04-2009, 03:27 PM   #12 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

update. got a call from barbara's office. rep didnt understand why I wanted to cancel a loan mod.

I explained that i just got mod approved and completed. she saw the info and told me that she will fix it with the negotiator.

she also said that she will call me back when it is completed.

i'm already on the cw.bofa daily, but now i will be on there like every hour. i mean, what is going on that they can just randomly go into your file and change stuff, omg.

anyhoo, i've been taking screenshots of my acct on the website and emailing them to myself just incase this becomes a lawsuit for breach of contract.

please stay on top of them. this lady was very nice and helpful. im hoping we can all have these issues resolved so that others can get the help they need to keep their homes
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Old 06-04-2009, 03:30 PM   #13 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

Quote:
Originally Posted by denised View Post
whoa........ that isn't right!
I was going thru all my notes from the first mod looking for any contact info, I had asked for a copy of the mod after it was signed by CW and was told they would not sent it to me, when I pushed further they explained that it is not signed nor is it recorded in the offical/public records (where your mortgage is recorded) unless they are modifying the loan by $50k or more. I spoke to several reps this time around and they all said that they were not able to send me a signed copy since CW does not actually sign them, but they put the mod in your file. Sounds pretty fishy to me too! and now look on this very forum several people have had thier mods canceled months after they were done all they while thinking everything was ok CW/BOA are no better than ripoff, con-men and loan sharks they are just disguised by being a "corporation" their tactics are still the same.
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Old 06-05-2009, 08:38 AM   #14 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

itscatnip...

My mod was completed too and now it shows another workout in progress. I did not request more assistance!

Workout Status Details: Your request for assistance is under review. During the review process, a thorough examination and analysis of your loan will be completed. During this time, we may or may not need additional information from you. It is common that you will not hear anything from us during the review period, but please be advised that all collections activities have been temporarily suspended during this review period. We expect more information to be available on 07/08/2009. If your status remains unchanged after the 07/08/2009, please call and speak to a customer service representative. Please do not call back before 07/08/2009 as that will delay the process. Please respond promptly to any calls or requests that you may receive from us during this period. Lack of response will cause your workout to be delayed or cancelled. Thank you.
Information as of: 06/03/2009
Workout Stage: Processing
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Old 06-05-2009, 08:57 AM   #15 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

I dont know what games they are playing but i am documenting every change to my acct. i dont need this headache.

waiting for them to fix this error. see prior post regarding emailing barbara's office
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Old 06-05-2009, 10:21 AM   #16 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

Yea I wonder if that is what I am seeing also (6/4/09 and 6/5/09)? I am waiting for my account to be updated with my approved mod, but I see these latest additions to my workout area that don't make sense:

Documents Received
Processing Date Workout Type Document Type
05/20/2009 Modification AGREEMENTS
05/28/2009 Modification AGREEMENTS
06/05/2009 Modification AGREEMENTS
06/04/2009 Modification WORKOUT ANALYSIS
06/04/2009 Modification APPROVAL LETTER
06/04/2009 Modification AGREEMENTS
06/04/2009 Modification WORKOUT LETTER
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Old 06-05-2009, 10:30 AM   #17 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

I think since the merge their computer systems have went to heck. Every other day, sorry our systems are down call back in an hr.
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Old 06-05-2009, 10:39 AM   #18 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

i just find the timing to be very strange. The first week of the month when people's mtgs are due. Also, the disabling of the online payment and messages features drives me bonkers.
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Old 06-05-2009, 11:22 AM   #19 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

I emailed about my workout account having this strange stuff on it and here is response:

Good Morning,

Everything your seeing now is part of the changes we need to make in the system. Please allow time for these changes to be completed. I would let you know once everything is done.


Thank you.
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Old 06-08-2009, 09:49 AM   #20 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

Today they deleted the workout complete and closed part in the workout section. Now it just shows your request for assistance is under review... PLEASE LEAVE MY ACCOUNT ALONE!
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Old 06-08-2009, 11:15 AM   #21 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

That’s exactly what they did to me. The loan mod I DIDN’T APPLY for is still there. The CS rep assured me today that it has been removed. I’ll keep checking. This is annoying~
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Old 06-08-2009, 11:47 AM   #22 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

my recently completed 2nd mod shows approved completed pending changes to your account (they did the changes already) and my 1st naca mod still shows in process/referred from 11/08, go figure, I spoke to the person in the office of the pres I am working with and she spoke with Home retention nd verified both mods are closed, I said well then take them off the account before something else gets screwed up, she said unfortuneately home retention has to do that and she has requeted they do so, my suggestion log in everyday and check your account, don't trust the cw bozos to get anything right these days!
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Old 06-08-2009, 12:15 PM   #23 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

thanks Gray517
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Old 06-17-2009, 04:40 PM   #24 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

update (hopefully my final one on this matter)

the website is finally showing the mod I DIDNT APPLY canceled.

it took multiple calls to the contact i received from Barbara D.'s office, a letter stating that I was no longer with NACA (After the naca mod approval of course) and I was satisfied with the mod I received in April (FROM NACA and CW) and did not require an additional mod.

please stay on top of bofa and keep checking the website. this was annoying!
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Old 06-17-2009, 05:03 PM   #25 (permalink)
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Re: cw/bofa website down and now showing new loan mod i didnt apply for

Itscatnip;

What you and Gray are saying is really good advice. I've sent all my mod docs back to CW as requested and they have not updated my online info. My first payment under the new agreement is July 1st and I am going to call tomorrow to make sure the web info gets updated.

Cobra///NACA approved mod 5/29
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