Banks are getting creative on ways they generate income at the expence of the middle class families in need. Fee income from predatory lending/fees, illegal forclosurs/repo's while training employees to assist homeowners not in need instead of the millions that need it. They report these loans as modified loans. It's a huge problem that is overseen. Banks rather reverse a fee to make a sale rather than help the elderly, disabled, and underemployeed/unemployeed that need a $35 fee reversed for a $11 transaction to feed the family.



