After over 70+ phone calls to get to the end I am still getting the run around after the short sale has been approved and all I need is my Formal Approval letter.  I will be working on my Memoirs of Bank of America/AMS and what you should know before you get started and watch out for!  I only blame one side and one side only!!! AMS Management!!! After working in a call center for two major Insurance carriers for 14 years and lead for two major accounts - Bank of America and Wells Fargo I can tell you AMS is a poor performer - now don't get me wrong the majority of the folks that answer are polite and how it should be, but they have absolutely NO Procedures and Protocol they practice.  When I was a senior rep for the above banks we had contractual performance guarantees which stated if we did not perform as a call center we were fined and let me say it was as large as 50k per our contract.  I just fined it ironic that they want health care to perform for their employees, but they are not making AMS accountable for their lack of action because if they started picking up the phone and made test calls they would understand what I am talking about.  AMS is not proactive and make information easily available to get the file moved. While your file is being reviewed they look at everything in a one step look and never the entire picture. So let's say for example - they give you a price to list and you secure a full price offer and no concessions, wow you say and it should be easy, ha!!! Count on 1 month for them to tell you we are looking into it, we are looking into it, 48-72 hours -(Groundhog Day over and over again) and now it finally goes through their system, so you think, oh we need to order another SSA (if not familiar is is their Short Sale Addendum and it is not the one that is part of the CAR forms). It is now another delay because who ever fixed the problem because "they" were $1200 dollars off their calculations never ordered the SSA. So you would think they would know this, well they do and didn't!!! Here we go again, 48-72 hours (Groundhog Day over and over again). We have to request the SSA through a print center and once it is printed sent to the borrower/seller and this takes 10 days, but once it shows up on my computer I can print and upload into Equator, so you think (Groundhog day 48-72 hours over and over again). Now keep in mind they have told me the file is now approved and the home is Pending Sale! All I want is my Formal Approval letter. Will I receive it? Stay tuned :)