PETITION TO THE U.S. GOVERNMENT FROM AMERICAN HOMEOWNERS
Public Comments (4,494)
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Mar 6th, 2011Someone from Lockport, IL signed.
Mar 5th, 2011Someone from Harrisonville, MO writes:
We have been dealing with the EMC nightmare for years! Their trial payment plan is fraud plain and simple.. They never disclosed to me that every trial payment I made put my loan in arrears. They just kept extending it, due to "longer than expected" processing time on what was supposed to be a permanent modification.. The underwriter Sylvia who was supposed to be HELPING me, told me not to put my income from 2nd job on application. Then was told I make too much for mod.. Next phone call I was told I don't make enough money for modification.. Going through third attempt now. I feel my home slipping out from under me because of these thieves. When I finally found out about the repayment plan fiasco, I was told I was 7,000 dollars in arrears. Even that varies from day to day. One caller will say 7,000 the next will say 10,000... I have resumed with making my normal payment, and they put it in suspense!!! And let my loan fall farther behind. They need to be taken to task and put out of business.. We the People need to foreclose on this business!REPORT COMMENTS
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No, CancelFeb 28th, 2011Someone from Los Angeles, CA writes:
My loan was modified only to be increased 1 month later and now I am paying more than prior to the modification. As a result I am facing foreclosure again. This is a direct attept to foreclose on my home by the bank. I have sent the bank a payment and a half and after several follow up calls to customer care dept. loss mitigation dept. and speaking to several employees no one can tell me exactly where payments were applied at, when I emailed them and requested an account reconciliation I was sent a reply email stating the the have answered my request log on to view, I was locked out of the system and recieved a message saying that my acct. needs special handling, contact customer care. This is a nightmare. I have documented my everyday conversations and so far EMC Mortgage has failed to correct billing errors, provide itemized billing statements, Failed to honor a contract or agreement as requested, Failed to substantiate charges, and Failed to honor our contract per the loan modification agreement. I have worked hard as a single mom to keep a roof over our heads and I am scared to death of losing the most valuable thing in my life that I have been able to maintain. The banks are unfair and using all of there power to put me amongst others out of there homes as we are being jilted by the American Dream and the greed of the industry. I have realized that lenders and servicers make more money by causing loans to go into default. There are legal fees, late fees, administration fees, fees for this, and fees for that. Therefore, the servicers make more money from us (for their pockets) if you are in default than from those that make their payments on time. I am doing all that I know to do. Please help!!!!REPORT COMMENTS
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No, CancelFeb 28th, 2011Someone from Colonial Beach, VA writes:
I?ve been requesting assistance from Saxon since last year for a loan modification. I was declined for the HAMP, and have since given updated financials to the reps, and re-submitted a Saxon application. At this time, I?ve again faxed an updated Saxon Application (with required documents) for an In-House Hardship Request for Modification on 2/15/2011. The completed Application /required documents were faxed in error to Customer Relations and also mailed via US Post next day delivery, and was signed for. Per daily follow-up calls with a non-receipt of documents by reps., the documents were then re-faxed to the correct department as 3rd Requests to Imaging / Loss Mitigation on 2/19/2011, with daily follow-up calls. I?ve been working with a counselor at Bay Housing Services ( A Division of Bay Aging), conference calls with Hope Now counselors and Saxon supervisors; have contacted my Veterans Benefits Office ( I?m a Veteran) and HUD Office in expediting this Hardship Request as my house is scheduled to foreclose - Sale Date 3/15/2011. I intend to stay in my house as caretaker to my 84 year old mother who has Alzheimer?s and diabetes. I am her only child and caretaker. This home is all we have, and I'm trying my best to keep it. My story is one of many out there in need. Will someone please help us???REPORT COMMENTS
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No, CancelFeb 27th, 2011Someone from Portland, ME signed.
Feb 25th, 2011Someone from Sacramento, CA writes:
Homeowners are the ones struggling to pay mortgages while the banks and wall street are getting free money. Instead of sending billions of dollars overseas why doesn't the federal government help hard working Americans stay in their homes.REPORT COMMENTS
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No, CancelFeb 23rd, 2011Someone from Imperial Beach, CA writes:
Banks are not helping us! It doesn't make any sense to me that the banks were the only ones who got financial help when they themselves are the cause of this whole housing mess. My bank like all others, doesn't seem to care and want to help us struggling to keep our home. They nit pick and kick our requests out for ridiculous reasons knowing that a loan modification is the only solution. Please as our Government, Help Us Americans who desperately want to keep our Homes!!!REPORT COMMENTS
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No, CancelFeb 23rd, 2011Someone from East Stroudsburg, PA writes:
I am still waiting to get my mortgage modified it'[s been 1 year and still no answer to where I am at.REPORT COMMENTS
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No, CancelFeb 22nd, 2011Someone from Whittier, CA signed.
Feb 22nd, 2011Someone from Mountlake Terrace, WA writes:
Please help us - the working middle class people not the bank. I have spent a total of 20 months running around for BOA loan modification. Single home owners who put a large down payment for their home are really being treated unfairly with the modification system. Please help us the American middle class people not the bank.REPORT COMMENTS
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No, CancelFeb 22nd, 2011Someone from Mountlake Terrace, WA writes:
Dear President Obama and congress: Please help us - the working middle class people not the bank. I have spent 20 months running around for BOA loan modification. Single home owners who put a large down payment for their home are really being robbed with the modification system. Please help us the American middle class people not the bank.REPORT COMMENTS
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No, CancelFeb 22nd, 2011Someone from Plainsboro, NJ writes:
After loosing a business, and falling behind on a payment by only one month. We where told by ASC a (Well's Fargo) company. to do a loan modification... We have been through hell in the last year! They have claimed to have not recieved documents that we have sent endless times. We are now in foreclosure, and are filing bancrupcy, All thank's to are wonder lender.... Something needs to be done ASAP!!!!!REPORT COMMENTS
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No, CancelFeb 21st, 2011Someone from Roseville, CA signed.
Feb 21st, 2011Someone from Middletown, RI writes:
This process needs to be fixed. I have tried for two years with no success. I thought I had a loan mod twice;I was in a trial mod; and then was told by WAMU/Chase that I didn't send in the correct paperwork or sent it to the wrong place. Chase is playing games with people.....I think Chase is the biggest ogre in this mess. they play bait and switch.They set you up and tell you don't worry' get thru 6 months of the trial mod; just sit tight then they tell you your under foreclosure again because they didn't tell you to send paystubs with your monthly statementand" it's not they fault and you have to understand the rules are changing just as fast for them"......WHAT.....they're not losing they're home. They're relationship managers do not help you and they change every couple of weeks and another is assigned and tells you that you have sent the wrong paperwork or sent it at the wrong time or its not filled out correctly. I called on 2/17/11 and was told they couldn't give me info on the NPV calculation for my modification denial. I was told to read the report and send in a rebuttable for any info I deemed wrong. We need helpREPORT COMMENTS
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No, CancelFeb 21st, 2011Someone from Arlington, WA signed.
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No, CancelFeb 20th, 2011Someone from Hailey, ID signed.
Feb 19th, 2011Someone from Lebanon, OR writes:
Wells Fargo sent me down a path doomed to failure right off the bat. They outright lied to me over and over, took my trial money, didn't apply it to my account anywhere I can see as they will not tell me where they did apply it. I received many letters aimed at confusing me and every time I contacted them, nobody knew anything about my situation. That's just wrong on so many levels.REPORT COMMENTS
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No, CancelFeb 19th, 2011Someone from Los Angeles, CA writes:
well Iwas denied the modification under hamp because the under writer call me at work and he wanted 2 bank statmens ,copies of the las 2 chekcs from me and my wife .bu he never said to me that he needed then in 72 hours . that was a thursday I called him bachk on friday and told I didi not have everithing monday was mlk memorial celebretion and the hud agency was closed so I went tuesday and faxed everithing now I an in a forclosure procees after wating for 2 years they nneeded in 72 hours that was because the las pay stament was 2 years oldREPORT COMMENTS
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No, CancelFeb 19th, 2011Someone from Burke, VA writes:
I have applied for a modification loan for the past year and a half. I have been asked for the same documents over & over & over! I have sent them their requested documents over & over; All I want is a Successful Permanent Modification. I am a very responsible person, but I got behind on payments due to loss of employment, I am now enjoying working again on a( secure ) job,I am not making as much as the job I lost. At my present income level, I will never miss a payment again if Chase will just give me the permanent modification!REPORT COMMENTS
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No, CancelFeb 18th, 2011Someone from Littleton, CO writes:
Pls. make the OCC accountable for the many Banks that are not timely processing Mortgage Modifications. My dearest friend owns a mortgaged home , has 2 children AND is an underwriter in the mortgage industry. BANK of AMERICA has been a nightmare as she has tried to do a loan modification with them for over 1.5 yrs-------she can't even, with her 20 yr knowledge of mortgage's paperwork----get anywhere with final loan modification. Bank of America should be SHUT-DOWN !!!!!!REPORT COMMENTS
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No, CancelFeb 18th, 2011Someone from Lake Stevens, WA writes:
If the banks were bailed out with our tax dollars then the home owners should to.Successful modifications are a win for the bank, the home owner and market value.REPORT COMMENTS
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No, CancelFeb 17th, 2011Someone from Daytona Beach, FL signed.
Feb 16th, 2011Someone from Smithtown, NY signed.
Feb 13th, 2011Someone from Oakland, MI writes:
It has been 5 months now, My Bank's Company for modifications, keeps asking for the same paperwork and the same letters over and over, and either didn't recieve or couldn't read what was faxed or sent. They don't give any information either on what will be offered for help. No wonder everyone is giving up and more stressed out then ever. I wish someone will hear my voice and give some advice!REPORT COMMENTS
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No, CancelFeb 12th, 2011Someone from Independence, MO writes:
It's time to "Go Egypt" in America. Enough is enough. The regime of Wall Street and the proven cheats, liars and thieves that run the big banks and this country will be this nations destruction unless something is done and soon. Hey hey, ho ho, Wall Street government has to go. No justice, NO PEACE!REPORT COMMENTS
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No, CancelFeb 11th, 2011Someone from Westbrook, ME writes:
I AM AT THE END OF MY ROPE WITH NATIONSTAR MORTGAGE I FINALLY GOOGLED THEM AND FOUND NOT HUNDREDS BUT THOUSANDS OF COMPLAINTS ABOUT THEM! I HAD A HARDSHIP IN 2009 AND WAS TOLD I WOULD QUALIFY FOR THE HAMP PROGRAM I DID EVERYTHING FILLED OUT ALL THE DOCUMENTATION AND MADE ALL MY PAYEMENTS TO HAVE THEM TELL ME AFTER 9 MONTHS SORRY DONT QUALIFY NOW YOU NEED TO PAY BACK 8,000 MORE FOR FEES AND BACK PAYMENTS! BUT THEY WERE GENEROUS ENOUGH TO GIVE ME A SIDE LOAN FOR 8,000! EITHER THAT OR THEY STARTE FORCLOSURE PROCEEDINGS! SO I TOOK THE XTRA LOAN AND STILL I TRIED TO TELL THEM MY INCOME WAS REDUCED PERMANTLEY BY 25-30% I STRUGGLED TO PAY FOR THE LAST 8 MONTHS AND I FELL BEHIND BY ONE PAYMENT AND I AM TRYING TO KEEP IT AT ONE PAYMENT AND THEY SAID OH YOU NEED TO REAPPLY FOR HAMP IF YOU DONT GET IT THIS TIME WE WILL TRY THE MOD 24 PROGRAM NEVER GOT A BREAKDOWN OF WHY I OWED 8,000 WHAT THE FEES WERE WHERE THE MONEY I WAS PAYING WAS APPLIED TO ALL I GOT WAS EITHER SIGN THIS XTRA LOAN NOTE OR GO TO FORCLOSURE! PEOPLE LIKE THIS NEED TO BE STOPPED!REPORT COMMENTS
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No, CancelFeb 11th, 2011Someone from Coolidge, AZ signed.
Feb 9th, 2011Someone from Binghamton, NY signed.
Feb 8th, 2011Someone from Rowlett, TX writes:
I've paid my mortgage on time for four years and for the last year have gone through a hardship with family devastating illness which have thrown our finances into turmoil we stuggling to continue to pay for everything with a decrease in income that really diffucult. we are trying to get our payment modified without any assistance from our lender. Bank of AmericaREPORT COMMENTS
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No, CancelFeb 7th, 2011Someone from Mason City, IA signed.
Feb 6th, 2011Someone from Buffalo, NY writes:
I am for making the banks act in accordance with laws and regulations set forth by President Obama regarding struggling homeowners. Bank Of America truly acts on their own behalf.REPORT COMMENTS
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No, CancelFeb 6th, 2011Someone from Colfax, CA signed.
Feb 6th, 2011Someone from Carpentersville, IL writes:
j p morgan chase needs to be stoppedREPORT COMMENTS
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No, CancelFeb 5th, 2011Someone from Kennebunkport, ME writes:
I have been attempting to work with Chase Home Finance for over 2 years now to effect a loan modification. I have faxed and refaxed every single document they have asked for, made 4 months' worth of "trial payments" and still, my paperwork continues to languish on someone's desk until it "expires" and i have to start all over again. Alternately I have been denied for not sending documents that I was never asked for in the first place. I am convinced that the process is completely stacked against the customer and that the company simply hopes will give up and walk away from our homes. I do not understand how this happens time and time again to hard working people trying desperately to work with these banks. The process needs to be corrected, overseen and enforced. Innocent people are losing their homes and the banks do not care.REPORT COMMENTS
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No, CancelFeb 1st, 2011Someone from Oskaloosa, IA writes:
The banks are not willing to assist those people who want to keep their good credit rating, stick with their homes and except that they won't be able to get as much out of the sale of their homes as they'll be putting in and feel better about doing it ...we all need a modern day Robin Hood some kinda bad because the sheriff's at our door!REPORT COMMENTS
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No, CancelFeb 1st, 2011Someone from Thornwood, NY signed.
Feb 1st, 2011Someone from Union, NJ signed.
Feb 1st, 2011Someone from Roselle Park, NJ writes:
BANK OF AMERICA SHOULD BE ACCOUNTABLE. IT SEEMS THAT THEY DRAG THEIR FEET. ALMOST 16 MONTHS ITO THE PROCESS. TO BE DENIED FOR A TRADITIONAL MODIFICATION. PLEASE HELPREPORT COMMENTS
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