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  • Petitioned Loretta Pillado

This petition was delivered to:

Assistant Vice President of Home Retention
Loretta Pillado
Assistant to Mike Drawdy (Senior Vice President of Home Retention)
Kim Lowe
Processing Manager
Jaquelyn Sessions
Vice President of Home Retention
Ken Scheller

Bank of America Home Loans; Bank of America, N.A.: STOP denying us modification! Let us keep our home!

    1. Samantha Kelly
    2. Petition by

      Samantha Kelly

      Bartlett, TN

I'm Samantha. My mother's name is Brenda. We need to keep our house. First Franklin, our initial lender, was acquired by Bank of America about 3 years ago when the company collapsed. Our note was at one time $735, on an 80/20 loan, but when we couldn't afford our taxes (Approx. $1,500 which is an entire check plus $100 for my mother on average), and couldn't afford home hazard insurance, it was all taken out of our escrow, swelling our 80% alone to over $1,100, with the 20% portion remaining at $143. Math done, that's $1,243 per month, which would leave us for less than $200 for food, phones, consolidated utility, gas, car note, etc., with those expenses themselves close to $1,500 per month. BoA wasted NO time in becoming aggressive. About 13 months after our loan was transferred to BoA, we got an unofficial letter stating that our property was in forclosure review. We were never informed that modification was an option before this point, and when we sought modification, we were refused approx. 7 times over the course of 25 months, including twice through legal representation. Their excuses were usually that we didn't file the proper paperwork (Even though we once filed and faxed from an official Bank of America office in Memphis, TN, in the presence of an official Bank of America loan modification reprensentative). After such excuses, they claimed that my mother makes too much money to not pay the note, even with other expenses taken into account, leaving us with $127 per month (according to our legal representative's calculation). They also put a closing date on our house (jointly with ReconTrust) without informing my family. No supoenas, no FedEx letters, no sheriff visits, not Certified Mail, NOTHING. We had only found out through a solicitation we got in the mail that listed our lot number next to a sale date that we had never seen (September 12, 2012, at 2:00 PM). We were able to stall the date by contacting and working with the company whose solicitation informed us of the date. Even with legal representation and accurate calculation of our expenses, Bank of America STILL refuses us modification.

It's been a war over my home for 2-3 years. Frankly speaking, we're broke. I don't have a job, and Mom works a highly-stressful position that doesn't allow much overtime without implications to her health. We would "just leave", but we love this house. Plus, I have no credit, and Mom's isn't the best due to how far behind be are on our mortgage, and a bankruptcy filed in 2002. We are tired of fighting with a corporation that is too rich to care about us, too poor to want to help us, and way too big to even try and notice us. Without little people like my family to bully, Bank of America has nothing; therefore, we must fight to the best of our ability. Until we can afford to drag them into court, however, this petition is the hardest return we can give them. Will you help us??? Thank you for your time, GOD Bless.

Recent signatures


    1. Correction

      Samantha Kelly
      Petition Organizer

      We're still collecting for the 80%.

    2. Another One

      Samantha Kelly
      Petition Organizer

      Got a referral to foreclosure letter for the 20% Monday. Lawyers say they can't do anything but place a lien; nigh comforting to be honest.They want 1,800$, claiming they couldn't reach us and thoroughly explained our modification options. You can guess the actual truth behind that one... Still trying to collect for the 20%; not easy. We're cutting very close. I don't know why they want to ruin our lives, my Excellent people.

    3. They Listened

      Samantha Kelly
      Petition Organizer

      We have officially been granted modification!!

    4. Contact from Bank of America

      Samantha Kelly
      Petition Organizer

      Mother was contacted by Bank of America Social Media Team representative Kacey Smith about our petition via voicemail message. She asked if the petition was our and if we still needed assistance. We called back, put both of our voices on her voicemail, left her both of our numbers.She can discuss the account with the both of us now. It seems as if we're really gaining some ground here, my Excellent people. Please, keep us in your Prayers. I thank you all from the bottom of my soul for your support.

      Samantha L. Kelly

    5. Reached 1,500 signatures


    Reasons for signing

    • Harrel Conner SILVER SPRING, MD
      • almost 2 years ago

      Because the big banks need to be held accountable not only for bad loans, but for being too incompetent to work with people who are actually trying to work with them to prevent a lose-lose situation.

    • Lydia Williams SPRINGFIELD, TN
      • almost 2 years ago

      We have BoA for one of our home mortgages and they are bullies. I had sent one payment in and paid the next online. The online got cancelled, the check cashed then they put $700 worth of fees because it was two weeks "late". I had a confirmation and everything but they wouldn't accept it but not tell me why. They want us to have them as a bank but why would we when they act like this?

      I've seen so many petitions against BoA because they are trying to force people from their homes and sell the homes dirt cheap to Corporations that would turn the land into a commercial business property. It's sad, when did money become more important then families?

    • Amy Kelly-Graham CLINTON, TN
      • almost 2 years ago

      I am in a similar situation with Discover card .. these people are soulless, evil and heartless... deep black pits.

    • Kevin Williams NASHVILLE, TN
      • almost 2 years ago

      Because the same thing is happening to me

    • Angyla Stinson MOUNT JULIET, TN
      • almost 2 years ago

      BOA aquired our loan and were the worst people in the world ro deal with on anything. We refinanced and dumped them ASAP.


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