Today I got a call from our new, new bank contact. Things started off friendly enough, with her assuring me that things would be different this time, and that she was there to make sure that my application got proper attention.
She then asked me for some documents that we had just sent about a month earlier to our prior contact. She apologized, and said that she had no record of those documents being received.
I then asked her if she had any record of my prior contact, which she did. I asked her if she could find out what had happened to my prior documents, and she said she would look into it. I also asked her what had happened to the mortgage modification that we were approved for over the phone, and why we never received the written proposal as we were told we would. Again, she said she didn’t know, and that she would check it out.
I finished up by asking for her direct number and email address. To my surprise, she once again reverted to the standard Bank of America response: we aren’t allowed to give you that information, and the only way you can reach me is by entering your loan number in our 800 number system.
At this point, I shared with her my frustration with this policy, and how it sounded to me like *nothing* had changed. After venting a little, she reminded me that our home was scheduled for foreclosure on January 3rd, but I didn’t need to worry: as long as we had a mortgage modification in process, the bank wouldn’t foreclosure.
Now I was very upset. We had heard this one before — and learned the hard way that it wasn’t automatic, and that we probably wouldn’t find out until hours before the scheduled foreclosure whether or not it would be postponed.
She finally admitted that the bank could still foreclose, even with an open file, and that she should have told me as such. We ended the call with her agreeing to send me a list of the remaining documents required, after she attempted to track down the ones that were missing.
We ended the call with my expectations near zero.