This concerns Bank of America and my active mortgage there. I have had trouble paying over the past several years. Due to the bankruptcy I filed in 2009, they are not able to give me pertinent information about my loan unless I specifically define what I am asking. In addition, every time I speak to a CSR, I am given the run-around - from additional numbers, to spouting rules that they can not provide a copy of. This has happened numerous times over the last several years, and more recently in the last 6 weeks. My loan is currently in foreclosure, with {$2200.00} dollars in attorney fees ( when the attorneys have only sent me a letter, and filed for a title search ( which is not even necessary in the state of GA ). When I question the fees, I am told I must pay them to reinstate the loan. Since I can not afford to lose my home, I am between a rock and a hard place. 
When I ask who I need to speak with about the fees, I am referred to a supervisor and no one above that supervisor. When I complain, I get a phone call back from the complaint department which turns out to be a " I hear you, and I am sorry '' conversation. 
Different CSRs have given conflicting information, and yet, whomever I am talking to at the moment can only reiterate what is in front of them - which does n't help at all. Bank of America has been a thorn in my side since they purchased this loan from Countrywide. I have had payments returned. I have had payments accepted over the phone for a later date, then the payment not processed, because the loan went into foreclosure before the payment date. I have never seen a banking system more designed for the consumer to fail in my life. The level of customer service is deplorable at best. 
