Consumer complaint received 2018-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
MY EX HUSBAND AND I PURCHASED A HOME IN XXXX IN XXXX MAINE, FROM THE LENDER, BANK OF AMERICA. WE WERE BOTH XXXX AT THE TIME, XXXX  WITH OUR XXXX  CHILD AND HE HAD BEEN AT HIS JOB FOR JUST A FEW MONTHS. bANK OF AMERICA GAVE A MORTGAGE VERY QUICKLY, AND WE WERE PLEASED- ALTHOUGH WE WERE QUITE IGNORANT AT THE TIME ABOUT MORTGAGE RATES AND DEBT IN GENERAL. 

WE STRUGGLED GREATLY ALMOST FROM DAY 1- AS  THE MORTGAGE CRISIS SET UPON US , AND OIL  PRICES SKYROCKETED. WE FOUND THAT, AFTER THE BIRTH OF OUR XXXX CHILD, THE COST OF OUR MORTGAGE PAYMENT, OIL TO KEEP THE OLD HOUSE HEATED, AND CHILDCARE WAS FAR MORE THAN WE COULD HANDLE. 

WE ASKED FOR MODIFICATION, AND BANK OF AMERICA KINDLY SENT US THE PAPERWORK ( MORE THAN A FEW TIMES WE HAD TO REQUEST IT ), BUT EVERY TIME WE CALLED TO CHECK THE STATUS OF OUR REQUEST WE WERE FACED WITH CUSTOMER SERVICE REPS WHO DIDNT HAVE A CLUE ABOUT OUR MODIFICATION. WE CONTINUOUSLY HAD TO RE-EXPLAIN OUR SITUATION AND RE-FILL OUT DOCUMENTS FOR WHAT WAS A FRUITLESS ENDEAVOR. WE NEVER RECIEVED A MODIFICATION OR ANY OTHER CONTACT WITH REGARD TO HELPING US. 

IN XX/XX/XXXX WE MOVED OUT OF THE HOME. WE CALLED BANK OF AMERICA TO LET THEM KNOW. THEY FAILED TO SECURE THE PROPERTY AND SEVERAL PIPES BURST- CAUSING QUITE A LOT OF DAMAGE. THEY DIDN'T CONTACT US FOR ANYTHING MORE THAN REQUESTING PAYMENT -- WHICH WE ADVISED CONSISTENTLY THAT WE WERE NOT GOING TO BE ABLE TO MAKE. WE BEGGED THEM TO FORECLOSE SO WE COULD MOVE ON. THEY DID NOT. 

IN XX/XX/XXXX MY HUSBAND AND I DIVORCED- I MOVED BACK INTO THE HOME WITH THE CHILDREN- HAVING NO WHERE ELSE TO GO AT THAT POINT IN MY LIFE. I WAS FORTUNATE TO HAVE A FRIEND WHO DID FREE WORK TO REPAIR THE BROKEN PIPES. MY CHILDREN AND BASICALLY SQUATTED IN THE HOME WITH NO RUNNING WATER OR HEAT ALL THROUGH THE SUMMER OF XX/XX/XXXX. THROUGHOUT THIS TIME FRAME I WAITED FOR THE BANK TO ASK ME TO LEAVE- BUT THEY NEVER DID. I WOULD CALL AND ASK THEM TO PLEASE JUST TAKE THE HOUSE, BUT NOONE WOULD HELP. 

AFTER STRUGGLING TO KEEP THE HEAT GOING THROUGH THE WINTER OF XX/XX/XXXX, I FINALLY MOVED OUT FOR GOOD. ONCE AGAIN I CALLED THE BANK EVERY FEW MONTHS TO TRY AND FIGURE OUT THEIR INTENTIONS. THEY BEGAN FORECLOSURE PROCEEDINGS A COUPLE OF TIMES, BUT NEVER FOLLOWED THROUGH, DESPITE MY CALLS AND PLEADINGS TO ESCALATE THE SITUATION, FORECLOSE!, ANYTHING! 

IT IS NOW XX/XX/XXXX- 8YEARS AFTER WE FIRST BEGAN ASKING BANK OF AMERICA FOR HELP- FOR EXPEDITION- FOR ANYTHING- AND THIS HOUSE STILL SITS ABANDONED WHERE WE LEFT IT. iT IS IMPROPERLY SECURED- AND ACCESSIBLE TO ANYONE WHO MIGHT WANT TO GO IN. THE MORTGAGE WAS TRANSFERRED TO THE SERVICER XXXX AT SOME POINT IN XX/XX/XXXX I BELIEVE. THEY HAVE BEEN JUST AS UNHELPFUL AS BOA WAS. 

MY COMPLAINT IS THAT THE BANK HAS NOT FORECLOSUED ON THIS PROPERTY IN A TIMELY FASHION. THIS SITUATION COULD HAVE BEEN RESOLVED, AND OFF OF MY CREDIT REPORT BY NOW- BUT STILL IT SITS, RUINING MY CHANCES OF RECOVERING FROM THIS TERRIBLE PART OF MY LIFE. 

XXXX XXXX STILL CALLS ME DAILY! THEY TELL ME I'M LATE ON MY PAYMENTS ...

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