Consumer complaint received 2015-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Statement of the CaseAround XXXX, we began to experience the same devastation the economy was having on many others. The loss of income and deaths of XXXX un/under-insured family members further contributed to our financial hardship. In fear of getting behind on house payments, I contacted Bank of America XXXX XXXX XXXX in XXXX XXXX requesting a loan modification ; only to be told that our income, at the time, was only about $ 1000/month short and that we did not qualify according to XXXX XXXX XXXX 's pre-qualification criteria. By this time XXXX XXXX XXXX XXXX, we still had no additional income and had used all our savings ; which resulted in our first late house payment, subsequently followed by others, along with further loss of income. Borrowing from friends, co-workers, and family, we were current on payments by XXXX XXXX ; but only to get behind again due to further loss of income. The overwhelming financial stress climaxed into a medical emergency in XXXX XXXX when I had to rush my wife to the ER, XXXX resulting from stress, according to the attending medical professionals. In XXXX XXXX, I was rushed to ER, XXXX for a medical condition in which I had no knowledge nor forewarning. I was told the condition could have been triggered by tremendous stress. 
From about XXXX XXXX until XXXX XXXX, we applied for mortgage loan modifications at least 18 times. Each time we sent Bank of America the requested information, they requested more ( even the same info that had already been sent to them XXXX, only to deny our modification request in the midst of us meeting their request ; then I 'd have to start the loan modification process all over again ... 18 times over about a two-year period! 
On XXXX XXXX, XXXX, we submitted a written request to Bank of America to 'view ' our 'Original Ink Note ' in order for us to have a forensic specialist 'examine ' it for authenticity and validity while Bank of America personnel and/or attorneys were present. On or about XXXX XXXX, XXXX, we received a copy of our alleged original ink note from Bank of America Litigation Specialist II, XXXX XXXX. On or about XXXX XXXX, XXXX, we received another copy of our alleged original ink note from XXXX XXXX XXXX XXXX XXXX, XXXX. Attorneys At Law. 
On or about XXXX XXXX, we received yet another copy of our alleged original ink note from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Counselors at Law. After reviewing and examining each of the alleged copies of our original ink note, we realized they were all different, which raised and confirmed our suspicions, that Bank of America, N.A., was not the owner of our ink note. However, during, what would ultimately become our final loan modification request application, we received a notice around XXXX XXXX that our property had been foreclosed and were given 3 days to vacate by XXXX XXXX, XXXX ... five days before XXXX. 
I am contacting you because my URGENT situation is in need of your IMMEDIATE attention. 
I have presented unequivocal evidence and documentation to support my claims of fraud against Bank of America , NA and XXXX XXXX XXXX XXXX XXXX, XXXX ; and the evidence can be researched and discovered because it is public record ; but I feel like I am and have continued to be bullied by XXXX of " The Big Banks '' and The Courts. Everything that I have brought before The Court supporting my fraud allegations against Bank of America and/or its attorneys, has been " Authenticated Evidence, '' the highest form of evidence. Yet no matter, how much 'Authenticated Evidence ' I have presented and filed with The Courts, my voice has been ignored, disregarded, and dismissed. I have been denied my 14th Amendment right to due process by US Courts and Judges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation