Consumer complaint received 2018-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with XXXX XXXX XXXX in XX/XX/XXXX, for {$210000.00}. The lender secuterized my loan, and the sponsor and master servicer was Countrywide LP. Then right after XXXX XXXX   XXXX defunct on XX/XX/XXXX, and Countrywide LP on XX/XX/XXXX, Bank of America Home Loans identified itself as the lender of my mortgage stating the he own my mortgage since the consumation of the loan on XX/XX/XXXX. Bank of America repetedly stopped the drafting of my payments from my bank, first alleging problems with their systems, but stating, " not to worry they were fixing the problems ''. And then, they would send letters of past due payments. On XX/XX/XXXX, we applied for The Hardest Hit modification program to reduce the principal of the predatory mortgage that we were induced to accept from XXXX XXXX XXXX. The agreement that Bank of America signed with the Hardest Hit Program was to match the {$50000.00} paid in the homeowner behalf for a total of {$100000.00} reduction of the principal of the mortgage with a fogiven amount of {$38000.00}. During thee anniversaries years if by the end of the last day of the month I was not pastdue 90 days or three months. Bank of America continued the abusive practices as Countrywide stopping drafting the payments from my bank, reporting me to the credit bureaus and acting as if we were not paying. Again telling us not to pay attention to the computerized automatic letters sent. The very same year of the hardest hit modification they stopped the draft of the payments with the intention to keep the {$50000.00} from the state program and to lead me to foreclosure to take my house. But before the 90 days, they wanted us to be late we paid them. Then on XX/XX/XXXX and XX/XX/XXXX they played the same dirty game, but on XX/XX/XXXX they crowned their evil plan by sending a series of modification packets that we ignored. One of their packets included a " Clarity Commitment '', stating the following, '' your new principal balance {$120000.00}, past due interests {$1600.00}, services expenses paid to third parties {$38000.00} total, of {$44000.00}, negative amortization and a ballon payment of {$81000.00}. When I was not behind and my principal balance without counting the unapplied payments was only {$80000.00}. I want a full double sided, certified " true and accurate '' copy of the original promissory note and security instrument and all assignments of the security instrument. Full name of trust were the note number is trading and the identifying series of certificates. Full name, addres and phone number of the custodian of my original promissory note. a complete audit history from alleged loan origination showing the dates payments were applied and to what account ( principal, interest, suspense, escrow, etc. ) to the date of your response to this letter. an itemized statement of all advances, charges ( late fees, fees incurred to modify, extend or amend the loan since the date of the note origination to the date of your response to this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation