The kind of Great service that Bank of America offers .
I received an email in regards to my complaint , with a commit number , and another email telling me that they are too incompetent to handle such a matter .
JANUARY / FEBRUARY 2012
MORE GAMES BEING PLAYED by BANK of AMERICA … .
It seems that they are not happy with us taking most of our money out of the account , and stopping an automatic deposit to the account ; leaving little more than $ 11. 00 in the account , so what do they do next … .
THEY WANT THAT $11 . 00 plus for themselves before I take that too , and they think they are going to get a little bit more along with it also .
Now How do they go about this . .. fraudulently making a so called electronic check debit on the account to make a payment to another part of the financial institution . … the credit card department .
PHOTO # 1 The bank has fraudulently made an entry in their books to reflect my Mom or I having called in a payment to the Credit card department . PHOTO # 2 shows the last check written by my Mom .
PHOTO # 3 Is a documentation of a request that I made at one of the local branches to CLOSE THE ACCOUNT , they do not have any one at the bank qualified to handle such a request , so they wanted to put me on the telephone with somebody , I told them I could have talked to somebody on the phone from home , I came to the Bank to deal with somebody in person ; a more professional business like way of doing business , BUT IT IS THEIR DESIRE TO DEAL WITH ME IN A LESS PROFESSIONAL WAY . So I made a request that they document my request to close the account ; they can do this in a number of ways , they could have sent a fax to one of the Headquarter dept , but at this branch they sent an email to the Headquarters , and gave me a confirmation commit # of this ; at least that is what they led me to believe , I did see what appeared to be the request emailed that was sent and corresponded to this number .
PHOTO #4 Is the letter cancelling the last automatic deposit that was still being made to my Mom’s checking account with BANK of AMERICA … if my Mom had not cancelled this , the bank would have taken money from this to pay for their … . CRIMINAL ADDICTION .
HOW TO FILE A CLASS ACTION LAWSUIT ~ AGAINST YOUR BANK ~
HOW TO FILE A CLASS ACTION LAWSUIT
~ AGAINST YOUR BANK ~
The problems in the Banking industry are very real and have been
… .… DEVASTATING … . . to too many people for too long .
It isn’t just you , but the Bank would like to make you think that .
YOU ARE NOT AT ALL ALONE IN THIS STRUGGLE
Tens of thousands of others are having the same problems.
Large corporations / Banks and the like have literally been getting away with murder , stealing from their customers in broad daylight , while our government just looks the other way ; what many businesses are doing is nothing less than CRIMINAL , it’s not just the Banks , but when it comes to a business that is able to throw a man and his family out of their Home and onto the street ; WE HAVE A VERY SERIOUS PROBLEM especially when it is that very often these same people have been lining the pockets of the one’s throwing them out onto the street .
WHAT KIND OF SOCIETY HAVE WE BECOME : (
So many find it all too convenient to just not pay much attention to the matter thinking that it was most likely the fault of the person losing their home , and that’s just the way life is … . is such true
[ OR IS IT, MORE LIKE THE WAY WE ARE MAKING IT TO BE ]
PLEASE CONSIDER LUKE ch . 13 please read also verse 8 and 9 not shown
~ ~ ~ WE ALL NEED TO WAKE UP ~ ~ ~
How is it our Government can be so delinquent in this matter , because so many in our government have been unduly $ influenced $ in $ one $ way $ or another ; because most of the time people just don’t work together in taking on some of these serious issues that confront us ; but the evil empires are, and have been actively conspiring every which way they can to drain every dollar they can from as many of the people as possible .
… GOD CALLS A RICH CAPITALIST … ” A FOOL ” LUKE ch 12 
BANK OF AMERICA just may be one of the very worst of the large Corporation culprits of our time .
Occupy Wall Street is right on the money in calling attention to this problem . The people active with this , have a just cause , even which is spoken of in scripture at Deuteronomy ch. 15 , Job ch. 31, Amos ch. 8, and James ch. 2
Top to Bottom AMOS … JAMES … JOB … DEUTERONOMY just click on photo to read .
and much more of what is written in scripture gives support to the core issue of this movement .
THE DEMONSTRATIONS WE SEE SERVE A GOOD PURPOSE
There are though other things that need to be done , people with more specific similar problems need to ban together , and appropriately target the culprits with lawsuits of every sort . It’s a matter of getting rightful justice, and making one think twice about the way they do business . ECCLESIASTES 3:13 
YOU CANNOT DO THIS BY YOURSELF, only by working together can we make a real difference , and make some these companies pay appropriate penalties , we have to have a strong organized group in order to appropriately hire a Law firm that will actually do the work that needs to be done , and not sell out the individual ; which all too often is what is done ; accomplishing really nothing accept lining the pockets of more attorneys .
WE NEED TO TAKE ACTION NOW
William Draper 941 – 928 – 6484 please call me ,
and you will see that this is for real .
THIS IS A FLYER THAT I AM WORKING ON , THAT I’M SURE COULD USE SOME PROFESSIONAL EDITING ; FEEL FREE TO USE , AND COULD USE HELP TO REALLY MAKE THIS BETTER .
Alright anybody following along that has any accounting experience .
Am I wrong about there being a loss in here ; it looks to me like real shoddy work done possibly purposely , just a little bit more shoddy than some , being more revealing of the corruption within the system .
I have somebody at the college also looking at this, I think , so I am waiting to hear also from this person .
JANUARY to DECEMBER 2011 LOAN / ESCROW REVIEW
I DO NOT FIND ANY ACCOUNTING LOSSES
FOR JANUARY, FEBRUARY, or MARCH
~ APRIL 2011 ~
page 6(8)
line 3 3/16/2011 REGULAR PAYMENT $ 474. 02 ———-[]
line 11 05/09/2011 PAYMENT REVERSAL — 522.70 ———-[]
page 9(11)
line 6 5/10/2011 REGULAR PAYMENT 474.02 ————-[]
LOSS FOR APRIL IS — $ 48.68
~ MAY 2011 ~
page 6(8)
line 5 03/28/2011 REGULAR PAYMENT $ 522. 70 ————-[]
line 9 05/09/2011 PAYMENT REVERSAL — 508. 95 ———[] (+13. 75 )
page 9(11)
line 7 05/10/2011
REGULAR PAYMENT 474.02 + (13.75 ) = (487.77) —————[]
line 8 05/10/2011
MSC POSTING $ 1369. 18 ——]] OFF PRINCIPLE BALANCE
FOR THE MONTH OF MAY THERE IS
A LOSS ON THE ACTUAL PAYMENT MADE OF $ — 34. 93
but we have this misc posting of + $1369.18 to go against total losses so far of $ —2386.50
THIS LEAVES A TOTAL LOSS UP TO THIS POINT OF $ — 1017. 32
~ JUNE 2011 ~
page 6(8)
line 7 04/25/2011 REGULAR PAYMENT 508. 95 ———-[]
page 9(11)
line 12 06/02/2011 REGULAR PAYMENT 508. 95 ———-[]
The Month of ~ June ~ gives me a surplus of $ + 508. 95
~ JULY ~ Just one payment shown ( ok ) for this part of review
~ AUGUST ~ Just one payment shown ( ok ) for this part of review
~ SEPTEMBER ~ Just one payment shown ( ok ) for this part of review
~ OCTOBER ~ Just one payment shown ( ok ) for this part of review
~ NOVEMBER ~ Just one payment shown ( ok ) for this part of review
~ DECEMBER ~ Just one payment shown ( ok ) for this part of review
END RESULT FOR THIS PART OF THE REVIEW ( there are other factors that have to be looked at also ) , FOR 2010 and 2011
IS A LOSS
of $ — 508. 37 [ Look back to June 2010 for the major source of
this loss page 8(10) lines 7,8,9, and 10 ]
This of course does not include losses from forced insurance and losses due to having to do this work for them ; and with this kind of loss on the first bit that I have really checked over well , makes me wonder what I have missed over the years .
Now on top of this Loss also is that loss of more than $ 21,000 on interest charges that we have paid so far ; of course this is in just about every Home loan , and we expect a Bank to be satisfied with such ; and handle the Home Loans and the people that are paying them with a little bit more respect .
Other possible losses might be incurred from the Payment Reversal Transactions , where the payment was taken away for 1 day , therefore more interest charges would be incurred ? There are 12 P.R . at about $5.00 or $6.00 a day or $60.00 to $72.00 additional loss ?
Now we multiply these kind of losses by 500,000 customers or more, and we see how some people are getting very large $ MILLION DOLLAR $ paychecks : ( IAMSOSAD
Dialogue , a place where somebody from BOA might give a real and proper explanation
I hope somebody is looking this over , it's a great project for any graduate student , New Attorney wanting to get some good experience, and let the public know ; they are in the here and now .
I have been working hard on this , and just don't see any way these numbers can add up . please call me for any questions .
Thankyou 941-928-6484
THE TOTAL AMOUNT OF LOSS FOR 2010, BUILT INTO OUR ACCOUNT EXCLUDING LOSSES
FROM FORCED INSURANCE IS -- $ 2302.89
JULY to DECEMBER 2010 ESCROW / ACCOUNT REVIEW
During this time we were making reduced payments of $ 389. 35 / 390. , these payments were put into an account called UNAPPLIED TOTAL , from which the Mortgage payments were taken out of after a certain amount of accumulation … $ 557. 70 or 565. 17 . One large check though was paid to make up any difference here . Much of what is below are fabricated numbers , which appear to be in an attempt to hide what our real monthly payments were and hide losses built into the account .
~ JULY 2010 ~ so far I have found a LOSS of $ — 297. 21 *
* that is, excluding excessive forced insurance costs
page 3(5) line 10
08/30/ 2010 REGULAR PAYMENT $557. 70 ————-[]
line 12 08/30/2010 MSC POSTING 389.35 > > >
page 4(6) line 1
10/12/2010 HAZARD INSURANCE — $753.80 (escrow) ( ( A RETROACTIVE INSURANCE POLICY ) ) ?
* * * THE BANK PURCHASES INSURANCE IN OCTOBER THAT BEGAN SOMETIME IN JULY ….. that’s PRIOR TO THE TIME OF PURCHASE ? * * *
line 4
10/20/2010 MORE HAZARD INSURANCE — $977.00 (escrow) ( ( A RETROACTIVE INSURANCE POLICY ) ) ?
Yes I think the bank canceled some of this insurance , but we have to work so hard to get them to do the right thing , and returning only a portion of what they are at fault for loosing on our account… J U S T I S N ‘T R I G H T !
line 5
10/29/2010 MSC POSTING 389 .35 > > >
line 6
11/01/2010 MSC POSTING —565.17 > > > for August payment (ok)
page 8(10)
line 1
05/09/2011 PAYMENT REVERSAL — 565.17 * ———-[]
* that’s $7. 47 more being subtracted than the actual payment . we see this $ 7.47 added back to the account in line 5 under UNAPLLIED TOTAL , but for some reason subtracted in line 4 under the Escrow column, so that still leaves a shortage of $ 7. 47 for this one transaction .
line 2
05/09/2011 MSC POSTING 565.17 . > > >
line 3
05/09/2011 MSC POSTING — 389. 35 > » artificial numbers
line 6
05/09/2011 MSC POSTING — 389.35 > > > artificial numbers
line 11
05/10/2011 altered REGULAR PAYMENT * 474.02 —————[]
Here we see — $ 778. 70 just arbitrarily taken out of the UNAPPLIED TOTAL column , and + 565.17 ( line 2) added to it , for a LOSS of $ — 213.53 we also have a LOSS from the difference between the original regular payment and the lower REGULAR PAYMENT , LOSS of —83. 68 .
TOTAL LOSS FOR JULY excluding forced insurance $ — 297. 21
~ AUGUST 2010 ~ shows a total loss of $ - 480. 50 UNAPPLIED TOTALS
$ 00. 00
page 4(6)
line 7 11/01/2010 REGULAR PAYMENT $565. 17 ————-[]
line 11 11/29/2010
MSC POSTING 389. 35* »> U. T. 595.41 * this 389. 35 is a real actual number (payment)
page 7(9)
line 13 05/09/2011
PAYMENT REVERSAL — 567.17 ———-[] artificial number
line 14 05/09/2011
MSC POSTING — 389.35 »> artificial number
page 8(10)
line 12 05/10/2011
REGULAR PAYMENT * 474. 02 ———-[]
* 474.02 is an artificial payment .
The actual regular payment was $ 567. 17 , but now shown to be $474 .02 , through the use of completely artifically derived numbers . This would be a loss on the account of $ - 91. 15 .
~ SEPTEMBER (09) 2010 ~
page 4(6)
line 12 12/03/2010 REGULAR PAYMENT $565.17 ————-[]
line 13 12/03/2010 MSC POSTING —565.17 > > > (OK)
page 5(7)
line 2 12/30/2010 MSC POSTING 390.00 > > > REAL NUMBERS
line 5 01/31/2011 MSC POSTING 389.35 > > >REAL NUMBERS
page 7(9)
line 8 05/09/2011 PAYMENT REVERSAL — 565.17 > > >
line 9 05/09/2011 MSC POSTING — 389.35 > > >
line 10 05/09/2011 MSC POETING — 389.35 > > >
TOTAL LOSS FOR THIS MONTH SO FAR IS — 1343. 87
line 12 05/09/2011 MSC POSTING + 565. 17 > > >
page 8(10)
line 13 05/10/2011 REGULAR PAYMENT 474. 02 ————[]
END RESULT FOR SEPTEMBER — 1343.87 + 565.17 = —778. 70 + 474.02 =
IS A LOSS — $ 304 .68
~ OCTOBER 2010 ~ starts on page 5(7)
line 6 02/08/2011 REGULAR PAYMENT $ 565. 17 —————[] REAL NUMBER
line 6 shows how the $565.17 is applied to Principle , Interest ,and Escrow
line 7 02/08/2011 MSC POSTING — 565.17 > > >
line 7 shows where the $565.17 is taken from to
make this payment…… UNAPPLIED TOTAL
line 9 03/01/2011 MSC POSTING 389. 35 REAL NUMBER
page 7 (9)
line 5 05/09/2011 PAYMENT REVERSAL $ — 565. 17 —————[]
line 6 05/09/2011 MSC POSTING — 389.35 > > >
line 7 05/09/2011 MSC POSTING 565. 17 > > >
page 8(10)
line 14 05/10/2011 REGULAR PAYMENT (ALTERED) 474. 02 ————[]
LOSSES BUILT INTO OCTOBER include —389.35 and the difference between the original regular payment and the altered REGULAR PAYMENT which is —91.15
TOTAL LOSS FOUND IN ACCOUNT FOR OCTOBER IS $ — 480. 50
~ NOVEMBER 2010 ~ page 5(7)
line 10 REGULAR PAYMENT $ 565. 17 * —————-[]
* ACTUAL CHECK WAS FOR $ 2643 . 55 the bank shows it as 5 different payments
page 7(9)
line 4 PAYMENT REVERSAL* — 565.17 ————[]
* a play with numbers
page 9(11)
line 1 REGULAR PAYMENT 474.02 ————[]
FOR THE MONTH OF NOVEMBER A TOTAL LOSS OF — $91.15
~ DECEMBER 2010 ~
line 11 REGULAR PAYMENT $ 565. 17 * —————-[]
* ACTUAL CHECK WAS FOR $ 2643 . 55 the bank shows it as 5 different payments
page 7(9)
line 3 PAYMENT REVERSAL* — 565.17 ————[]
page 9(11)
line 2 REGULAR PAYMENT 474.02 ————[]
FOR THE MONTH OF DECEMBER A TOTAL LOSS OF — $91.15
JANUARY - JUNE 2010 ESCROW FIGURES
I will omit the mundane entries and focus on just those that are the most critical , and difficult to explain or possibly fraudulent entries .
JANUARY
page 3
01/08/2010 Regular Payment $ 515. 59 ——————[]
NO OTHER IMPORTANT POSTINGS
FEBRUARY
02/08/2010 Regular Payment 792. 36 —————-[]
02/17/2010 Subsidence Ins. -1,603
* * * FORCED INSURANCE POLICY * * *
03/22/ 2010 Subsidence Ins Credit + 1,455
The Bank creates a loss on our account of LOSS - $148.00
MARCH
page 1(3)
line 6 3/08/2010 REGULAR PAYMENT $ 648. 06 ——————[]
line 9 3/30/2010 MISC POSTING (modified payments ) 389. 35
line 11 4/28/2010 MISC POSTING (modified payments ) 389.35
UNAPPLIED TOTAL
+778. 70
APRIL
page 1(3)
line 13 04/29/2010 REGULAR PAYMENT $ 577. 34 —————-[]
line 14 04/29/2010 MSC POSTING 70. 72
line 15 o5/10/2010 add Insurance * * FORCED * * - 52.85
page 2(4)
line 1 05/12/2010 add Insurance * * FORCED * * - 52.85
line 3 06/01/2010 MSC POSTING $ 389. 35
line 4 06/02/2010 MSC POSTING credit on Insurance 52. 85
line 5 06/30/2010 MSC POSTING - 52. 85*
* RETRACTION OF CREDIT
line 7 06/30/2010 MSC POSTING $ 389.35
UNAPPLIED TOTAL
$ 909. 34
line 8 07/01/2010 MSC POSTING - 565. 17 *
* monies taken out FOR MAY PAYMENT (ok)
UNAPPLIED TOTAL
+ 344. 17
ADDITIONAL * * * FORCED INSURANCE * * * over and above that which is really required by law to have . and received a letter stating that they would NOT require such , yet they still force the insurance . Letter is shown below .
BANK CREATES ANOTHER * LOSS * ON THE ACCOUNT OF - $ 105. 70
MAY
page 2(4)
line 9 07/01/2010 REGULAR PAYMENT $ 565. 17 —————[]
line 12 07/30/2010 flood insurance credit 186. 38 (escrow)
line 13 07/30/2010 * * FORCED FLOOD INSURANCE * * - $ 172.46 (escrow)
BANK CREATES MORE LOSS ON ACCOUNT FOR FLOOD INSURANCE NOT WANTED OR NEEDED AND BY A LETTER FROM THEM , WAS NOT REQUIRED …
UNAPPLIED TOTAL
line 14 07/30/2010 MSC POSTING $ 389. 35 $ 733.52
page 3(5)
line 1 08/01/2010 MSC POSTING - 565. 17 $ 168.35
JUNE
page 3 (5) UNAPPLIED TOTAL
(payments of 389.35 accumulated to the amount of $733.52) + 733.52
line 1
08/02/2010 UNAPPLIED TOTAL
This begins with a grab of $565.17 from [MAY (PMT/MO)]* - 565.17 * who knows why, probably meant to confuse .
line 2
08/02/2010 REGULAR PAYMENT OF $565. 17 —————-[]
08/03/2010 lines 3,4,5,6 late charges this and that (insignificant) , BECAUSE OUR PAYMENTS WERE REDUCED THEY ARE NOW CONSIDERED LATE
line 8
08/27/2010 MSC POST 389.35 This is the amount of my Mom’s reduced payments; not applied towards a payment but like a holding tank of cash called
UNAPPLIED TOTAL
+ 389. 35
line 9
08/30/2010 MSC POST -557. 70 UNAPPLIED TOTAL
- 557. 70
This is $ 557.70 taken out to go towards September’s payment 00
SO FAR THIS LEAVES ME WITH + $ 557. 70 for SEPTEMBER PAYMENT
Now we go to page 8 (10)
line 7
05-09-2011
We see hear a Payment Reversal ? ? this may be because they were wanting to show our payments less than what they actually were in order to disqualify my Mom from being approved for the Loan Modification program .
PAYMENT REVERSAL - 557. 70 ———————-[]
This in effect would cancel out our previous payment and change it to $ 7.47 instead of the $565.17 which it actually was .
line 8
05-09-2011
MISC POST + 557. 70 ? UNAPPLIED TOTAL
+ 557. 70
MISC POST + 6025. 70 ? + 6025.70
MISC POST - 6583. 40 ? - 6583.40
THE END RESULT
THERE is a `Loss $ - 557.70 from the Payment Reversal Transaction, so this will have to be searched for somewhere else possibly in this mess .
I do not see any way that this could correlate to the $ 557.70 from the previous year as that figure is a real number debited from real cash accumulated under U.A.
2 electronic debits to account with only $11.00 in it . This printed document / paper for a transaction 12-31-2011, is from the bank I went to 01-12-2012 . This transaction appears to have been made in time to capture the funds from the automatic deposit of my Mom’s retirement pension, which is about $300. , but it appears that I withdrew that money before this payment (unauthorized) went through . The real payment was made from the credit union. The top line darkened for some reason ? ? shows the figure of $140 . 00 both debits on the same day .
It appears now that this was a non authorized debit of the checking account towards a payment on the credit card balance .
My Mom did not call to authorize this payment , nor did I .
Mortgage NIGHTMARES with Bank of America
Is anybody else out there having problems with Bank of America . . . Hello . . .
Please see main page for new sound tracks being downloaded .
That Home Loan / Escrow sheet is one piece of hellish toss salad of numbers & does have a few mistakes . How a business can get by with doing something this way is beyond comprehension . After I do a little bit more work on it , I will repost it all with more clarity .
Tuesday 01-10-2012 Spent another lunch hour with a Bank of America branch bank , trying to get an answer on why they once again forced more insurance . No answer as of yet , the lady called me back, yesterday, while I was on the Bus driving ; I called her back now at least 4 times very kindly , she has been good to work with , but not yet returned my call .
Thursday 01-12-2012 Another lunch hour at the bank . . . : ( a branch closer to the bus terminal I work out of . My Mom told me that her account was overdrawn again ... we were at a loss of how such could be as we agreed not to use the account anymore accept for rare occasions . It appears that at the same time that she called the credit card division to make an electronic debit from her credit union . . . that BOA also debited her Bank of America account ..... it had $ 11. 00 and they debited it for $140 and $139 it appears, see photo above .
Friday 01-13- 2012 Another lunch hour at the bank . . . you see this lady wouldn't call me back , so I went back to the bank to speak with her . She relayed a message to the manager / Customer Service coordinator , that she was told that my Flood Insurance must match the amount of my Homeowners THEY ALWAYS TELL YOU THAT BUT IT'S NOT TRUE . So once again I have to show these papers to the people at the bank so they can all headquarters and ONCE AGAIN hopefully get it straightened out ? ? well see ? Somebody calls me back at the end of the day to let me know that supposedly the matter is taken care of and the forced policy was canceled and there will be a refund of $ 262.00 . The amount is $300 not $260 something according to the letter statement of there being once again a forced policy .
Sunday eve. 01-15-2012
Just about everyday , I am working on this escrow mess of numbers , including this evening , I am starting to really figure it out I believe . I will post above a little bit , and soon repost the actual escrow accounting sheets with special parts highlighted more appropriately and better explanations .
Monday 01-16-2012
Still working on it , going over the last couple of months of 2010 , there are surely mistakes , and it looks like outright fraud . I wonder if I was suppose to get these papers at all , possibly they were leaked to me .
