Consumer complaint received 2022-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was my XXXX caregiver for XXXX years, walking away from my business to take care of her. She signed a transfer on XXXX XXXX  giving me sole ownership of her house in XXXX, which I promptly filed with the county clerk. 
To make a long story short, she outlived her money, and I activated a XXXX with Bank of America she set up years prior to do work on her abandoned hoarder house so I could bring her home. There simply wasnt enough money to keep her in XXXX XXXX per month facilities much longer. Its a {$62000.00} XXXX, and was activated XX/XX/XXXX. 
After she XXXX, I discovered that life insurance money I planned to use for household bills and to restart my business would be delayed, and might not be forthcoming at all. I didnt discover the insurance was an issue until about the time the loan started requiring payments in XXXX of XXXX. My SS wasnt enough to pay the household bills plus the {$600.00} per month payment, and I fell behind. It was caught up in XXXX and XXXX, and became in arrears again in XXXX. I got a part time job in XXXX, but it took months to get caught up on the credit cards, since I lived on them for about XXXX months after my XXXX XXXX and I was dealing with the insurance. Im underemployed, and because of XXXX and supply chain issues, restarting my business wont be easy, fast, or cheap. 
In the meantime, the county incorrectly titled the deed as estate of instead of my name, and BOA refused to discuss the loan with me because they said I wasnt officially listed as successor-in-interest. 
BOA escalated it in XXXX, which was a shock to me. It became a nightmare, and BOA has been impossible to deal with. I cant get any XXXX person to deal with, and XXXX person will say Im listed and they will discuss it, then the next person wont. Its impossible to estimate how many hours Ive spent on hold, only to be told I was sent to the wrong department. Its happened too many times to count. Ive spent many half days on hold. XXXX XXXX told me I needed to call my church for advice, rather than doing her job and getting me to someone who could help me. 
They finally told me last week I was officially listed as successor in interest, and I went over the whole situation with them and filled out the loan modification forms over the phone with them. I was ecstatic the nightmare of not being able to discuss this was seemingly over. XXXX XXXX in mortgages gave me a definite figure for what it would take to get it out of foreclosure ( {$2200.00} ), and I overnighted a cashiers check. They added on an extra XXXX  XXXX without any warning or written notice of any kind telling me the foreclosure date was approaching. 
That was last Thursday, XX/XX/XXXX. Today, XX/XX/XXXX, they called and said it would be an additional {$1800.00} to get it out of foreclosure, ( which I dont have ). 
They ALSO rescinded the successor in interest standing, and suddenly refused to discuss the loan with me again. 
All of this boils down to that they could sell my house in a foreclosure sale without even providing me notice or an opportunity to cure it. Im terrified I will lose my only inheritance due to their incompetence and irresponsible behavior. I want to refinance the loan, which would be doable if they would just deal with me. I have no idea how long a foreclosure sale takes, but apparently in XXXX, it can be fast. 
XXXX doesnt have the federal homeowner assistance program open yet, so XXXX cant apply for help there. 
Im at my wits end dealing with them. 
XXXX is located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, although they also have it listed as XXXX ( XXXX of many anomalies in their record-keeping ). 
My mother ( the original borrower of record ) was XXXX XXXX XXXX I am living in the house and intend to keep it. 
Here are a few of the phone numbers Ive called just today, attempting to get help : XXXX XXXX XXXX XXXX XXXX XXXX single number involves long waits, then they know nothing and/or they transfer me to another department that cant help and also knows nothing. 
The person that gave me the amount of {$2200.00} to get it out of foreclosure was XXXX XXXX in the mortgage department, but of course XXXX cant get him again. They act like its a huge secret who works there, and they NEVER will give you back to the person you last spoke with. 
XXXX XXXX also gave me info in the mortgage department. Today I spoke with XXXX XXXX, who at least told me she would call me back. I also spoke with XXXX XXXX in XXXX today. 
XXXX XXXX in mortgages is the XXXX who told me I was officially listed as successor in interest, and that I didnt need to send any additional info. Now I cant tell if thats true or not. 
I dont want to lose my home. Please help me.

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 non-monetary relief