Consumer complaint received 2018-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WI XXXX XXXX Email : XXXX To whom it may concern : My name is XXXX XXXX, I live at XXXX XXXX XXXX XXXX, in XXXX, WI. I have lived and owned my house since XX/XX/XXXX. My hope is to get this letter to everyone I possibly can within 5 days. I'm going to unfortunately, Have alot of information in this document and everything needs to properly read for you the reader to comprehend the issue I am having and hopefully someone some where can help me find a resolution. The issue is pertaining to my property. 
XX/XX/XXXX My husband and father of our XXXX boys was XXXX to XXXX. We met in late XX/XX/XXXX, I was XXXX years old. We married in XX/XX/XXXX. We have been a happy, successful family here in XXXX, Wisconsin, where I was born and raised, for 14 years. On XX/XX/XXXX XXXX ( XXXX ) came to our door and asked for him by name. My husband, XXXX XXXX, came to the door and they had a copy of his Wisconsin D.L. and looked at the picture and said he had to go with them. He was placed on an XXXX hold which came about because his D.L. statue. He sat in XXXX as if he was a XXXX and one week later he was XXXX. We are married, but he could not get a XXXX for XXXX purposes. 
5 days after my husbands XXXX. On XX/XX/XXXX our house starts on fire. The house was a total loss. My XXXX boys ages XXXX,XXXX and XXXX and I were not only alone without the man of the house, but we were now XXXX with just the clothes on our backs. I only had lender placed insurance thru Bank Of America, so unfortunately, we were not compensated for any of our belongings the insurance only insured the property. Bank Of America lender placed insurance company was XXXX, at that time. I hired XXXX XXXX to rebuild my home. XXXX paid the builders 20 % at a time, until the house was complete in early XX/XX/XXXX. I moved back shortly after. 
In XX/XX/XXXX, I receive a document that says Satisfaction of Mortgage. I didnt know what this was. I went to the to the Clerk Of Courts, here in XXXX, WI. as the document instructions informed me to do. The Clerk of Courts congradulates me and tells me the documents means I own my property free and clear. This made all the sense in the world because I hadn't received any mortgage statements sinceXX/XX/XXXX. My assumption was since the house seemed like it was built out of paper, that there was enough money left over so XXXX XXXX paid the house off with the remaining money of my policy. 
In XX/XX/XXXX, I'm served by the XXXX County Sherriff. It's for a court appearance for a confirmation hearing. In the letter it states In XX/XX/XXXX, My house had been auctioned off. B.O.A. bought the house back for {$47000.00} dollars. I was to be in court in XX/XX/XXXX to be ordered to sign my house over to B.O.A. I called B.O.A. to ask questions. How could this happen? Why is this happening? Did I miss something? The representative says there's nothing I can do it's too late the house has been foreclosed and It's already been sold at auction. I am poor and couldn't afford legal help. I had no other choice, but to go the court appointment which I did. I presented my Satisfaction of Mortgage. Judge asked the attorney representing B.O.A. how do I have this document and the bank attorney said he didnt know anything about it so the judge said he couldn't go thru with the confirmation. So, I left the courtroom, assuming that presenting my Satisfaction of Mortgage would be the end of it. I own the house and the bank needed to just update their documents. 
In I believe XX/XX/XXXX, I get a knock on the door. It's a realtor offering me cash for keys. It was 3 dates with 3 different amounts of money being offered for me to move out. I asked him why would he be asking me to move. He said he don't know the bank just gives him papers and he delivers them. He doesn't have any details. This is the first time I have had any correspondance between B.O.A.  and myself, since the court date in XX/XX/XXXX. 
I'm very confused at this point. I just had a man leave asking me to accept cash to move out of my home. I don't know where he came from, who sent him or why? If the bank could just out of nowhere forclose and auction my property without me knowing. Then, send a man to offer me money to moveout, Something clearing was going on and I had no idea what. So, my first phone call was to the bank to find out why I'm being delivered paperwork offering me money to move out. The woman I spoke to tells me It's a one time deal iof I do not except the offer now it will not be offered again. However, she didn't answer any of my questions as to why or how this is happening. I told her my last contact with B.O.A. was in court, where I presented my Satisfaction Of Mortgage. Getting nowhere with B.O.A., I decided to call around and ask legal questions as to what to do. I contacted a bankrupcy attorney that informed me of all tthe court case filings for the forclosure, auction, the sale date and all kinds of filings that I had been unaware of at all. I was not served or mailed anything from the courts or the bank. I explained my situation to XXXX XXXX, from XXXX XXXX XXXX. His advice is to file bankrupcy, If my intentions were indeed to keep the property. He states that if the bank has forclosed and auctioned the property, that would mean theres a problem somewhere and a bankrupcy would stop everything where its at and give me the time I need to figure out what happened. Therefore, I need to keep my best interests first, which is keeping my home. I file bankrupcy first in XX/XX/XXXX. Keeping this short, My bankrupcy is discharged, because I couldn't follow the stipulations of the bankrupcy. I couldnt get homeowners insurance because the bank had put the house in their name even tho the judge didnt confirm the sale, somehow, the bank took my name off the house in XX/XX/XXXX, and put Bank Of America as the homeowner. Thus, stopping me from being able to purchase homeowners insurance. I had called the bank many times and all I ever got was transferred here and there and everywhere. Getting nowhere at all. So, my bankrupcy in XX/XX/XXXX was a total loss. I had borrowed money to get nowhere. My unanswered question is during the bankrupcy, my attorney, filed a Loan Modification. It costed an extra {$500.00} dollars. How was It possible to file a loan modification if the house had already been auctioned and put back into the name of B.O.A.  Which, I was unaware of the name change until recently, when I spoke to the bank myself last week. Which was XX/XX/XXXX. So, I got nowhere and wasted thousands of dollars on a bankrupcy. I still to this day don't know how any of this was possible, filing bankrupcy or the loan modification any of it with the house listed with B.O.A. as the homeowner. 
I still had no resolultion to the ownership of my property. In early XX/XX/XXXX, I get another letter by mail informing me that there's a confirmation hearing the following week. The bank again wants to confirm the sale of my home. I called numerous times to get the house back into my name so I can successfully file bankrupcy. I get nowhere. With the confirmation court date the next week, I again pay thousands to file bankrupcy, to have the time to find out How B.O.A. can take away my home that I own, and have The Satisfaction Of Mortgage to prove it. I kept calling the bank, I contacted the manager of my case. I get no answers anywhere, I just keep getting bounced around and transferred here and there and everywhere with every question unanswered till this day ( XX/XX/XXXX ). I filed the second bankrupcy in XX/XX/XXXX, to stop the confirmation and hopefully get my questions answered. I have been trying to get answers since XX/XX/XXXX. I have the same outcome. I get no questions answered from the bank and with the bankrupcy, I am ordered to purchase my own homeowners insurane on the house and once again I can not. The bank still has my property in their name and it was never changed back into mine. So, Here i am XXXX dollars broke, I still cant successfully get any questions answered of how this is happening. The bankrupcy can only do so much. Again I paid an extra {$500.00} dollars to the same attorney as the first filed bankrupcy, and A loan modification was done. B.O.A. reversed all the past due amount of I think it was 90,000 plus, and they lowered my payments to a little over 900.00 monthly. I still have gotten this far and cant figure out how because I own the house. It was put back in the bank name in XX/XX/XXXX I still dont know how. Everything with this house is unclear and no one is answering any of my questions. No matter how much time I had during the 2 bankrucies. How coukd I even file bankrupcy with the house in the bank name since XX/XX/XXXX. Nothing makes sense I need help and its not filing bankrupcy like the bankrupcy attorneyu told me twice. 
Here we are. its XX/XX/XXXX. I have the same realtor that served me papers cash for keys in XX/XX/XXXX. B.O.A. is offering me 3 offers of different cash amount to move out by 1 of 3 dates. I ask him why would he be here offering cash for keys agaion. He had no answers except call the bank. I did, the bank tells me I had been forclosed on in XX/XX/XXXX and I need to move out. I try again to beg and plead, how is this happening. I got nowhere, except pack, pick a date and move, or they will start the eviction process. 
Someone, somewhere must have some knowledge about my situation. All I want is my house. This house is mine, I have the document to prove and no ones listening. 
I'm not sure what I'm trying to accomplish within 5 days, except I want to keep my home. This house is mine and I want to fight till the end. Anyone, anywhere that can give me guidence on what to do and where to go please help me. 

Thank You, XXXX XXXX

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