promised they'd clean up their act and help struggling homeowners. but the state of new york says two big banks still aren't playing 100% by the rules. new york's attorney general says bank of america and wells fargo flagrantly violated legal obligations to protect homeowners, putting them at risk of foreclosure. the attorney general claims b of a and wells fargo didn't acknowledge applications to refinance in time. in other cases new york says the banks didn't notify borrowers about problems in their applications, and then didn't give them time to fix those problems. plus, failing to make decisions about loan modifications within 30 days. new york's attorney general says it has 339 documented cases. bank of america says, and i'm quoting here, it has provided relief for more than 10,000 new york homeowners through the national mortgage settlement, that totals more than $1 billion. now that settlement was reached in february of last year. five of the largest mortgage servicers agreed to pay $5 billion each to adopt new reforms to, to, the mortgage practices. this was meant to end