I called B of A again today to check the status on our application for the Making Home Affordable program. After being transferred 7 times, I was finally transferred to someone who knew what they were talking about (VERY few and VERY far between). He looked through my application and told me my 2009 tax information was not in my file.
“I’m staring at an exact copy of the information I sent. The 2009 taxes were in there.” I replied.
“Well mam, I can only tell you what I see” he said annoyed. “Also, the paycheck stubs you submitted were from September. That’s too old.”
“That’s because I submitted the application in SEPTEMBER. They were current when I sent them” I said angrily.
“No underwriter will accept old stubs and missing tax information. You’re going to have to resubmit everything” he said coolly.
“Spend hours collecting and packaging information only to have you lose it and have to retry in three months?” I asked.
“Looks that way doesn’t it” he responded.
I get it.
I finally get it.
I understand why people get so fed up, they walk away. I get why they rip apart their homes when they leave. I get why our neighbor set his house on fire when he was forced to leave. I get why there is so much anger.
We started this process a year and a half ago and I’m still sitting firmly on square one.
I have to admit, I picked up the phone immediately after slamming it down on Bank of America and dialed our bank. I was planning on closing our mortgage checking account to simply get the attention of this awful, awful bank. Miss a payment? Or two? Or ten? Yeah, maybe they’d actually get a hint that this fight has just begun and now I’m willing to play dirty.
About 20 seconds into listening to a particularly bad rendition of a Yanni song, I hung up.
Who am I kidding? As much as I dislike them and wish ill on them as a company, I refuse to change who I am. They may be the biggest group of underhanded dirty liars, but I’m not.
Thank you Bank of America for making me miserable. Thank you for reminding me that I can’t stand being under your thumb. Thank you for inspiring me to be debt free including the mortgage because every minute with you in my life is too long.