17. The only way this will get better is if they are sued by the government.
Whether that be the feds or (more likely) the state attorneys general in all the 50 states.
And individual doesn't have the money to sue a big bank like BOA. The big banks know this... they know the average citizen doesn't have the time, finances, or power to mount a prolonged fight. So that's what they try to do -- they try to wait you out while continuing in their fraudulent, harrassing ways. My mortgage was sold to Chase and it took me almost 6 months to get them to reverse the charges and to stop considering all my payments late. The only reason they did the about-face was because I filed a complaint against them with the IL attorney general.
The IL and CA (Lisa Madigan and Jerry Brown) AGs have truly been heros on this issue.
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