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They were working with BofA for me
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These people were actually able to deal with Bank of America for me. I tried twice to get a refinance or loan modification and my expense to income ratio was always too high. Well, the ratio could certainly be better if my interest rate wasn't 6.875% on that mortgage and I could pay off some medical bills. I received letters from Bank of America stating they were working on my mortgage and was kept up to date through ACA. Now that the FTC is involved, my $1,875 is gone, all of my personal information is somewhere for an identity thief to help themselves to and my mortgage is now 5 months behind. I've been offered options by Bank of America, I have nightmares on how to understand all of them. In fact, I never took my mortgage out with this company and I'm sure there is no paperwork between me and them that states they are my lending institution.
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