We’ve already written about Bank of America customers trying in vain to prove that they are not dead. But this story is a bit different. A man says he tried to get a modification on his BofA mortgage, but the bank won’t do anything until he can prove he’s dead and that he’s paying child support to children he doesn’t have.
De Veau Dunn, a filmmaker, decided to document his ordeal on video (see below for Part 1).
After the economy collapsed, his the value of his home took a nose dive and he was bringing in less money. Rather than lose his house, he attempted to file for a mortgage modification, sending in all the required documents — tax returns, pay stubs, homeowners’ association papers, etc.
Then the bank contacted him… to ask that he send the exact same documents. So he did.
Then he got yet another request for the documents. But this time, they also wanted a copy of the death certificate for the deceased borrower on the loan.
Alas, the man was not deceased (probably wouldn’t need a loan mod then, would he?) and he was the only borrower to ever be on the loan.
He says he contacted BofA and was assured it was a mistake and it would be fixed.
And by “fixed,” the bank meant “make it worse.”
Several weeks later, there’s another request for documents. Not only does it request all the same paperwork he’d sent several times before and the death certificate, it also asks for copies of his child support agreements, in spite of the fact that he’s never had any children.
It gets better.
When Dunn contacted BofA about this letter, he was eventually told that the bank had no record of any such letter being sent out. It actually wouldn’t believe him until he sent back a copy of their own letter.
And after another month of back and forth phone calls and correspondence with BofA, it was time for another letter. This time, in addition to the death certificate, the bank demanded a copy of the most recent death benefits statement.
Tired of dealing directly with the bank, Dunn says he filed a complaint with the Office of the Comptroller of the Currency.
What happens next? Suppose we’ll have to wait for the next part. Dunn is posting about his problem at BankingBad.com.
Thanks to Thomas for the tip!