Consumer complaint received 2021-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a a mortgage loan in XXXX of XXXX thru Bank of America, at that time I was given a Pre-Approval letter from a Mr XXXX XXXX whos located n North Carolina, I found a home n XXXX the XXXX, n placed an offer on the home, well 48 hours after my offer was accepted, the homeowners changed their decision to sell me the home n I believe it was based on them discovering that Im a XXXX female, well I had to pay an Attorney {$300.00} to force n demand the sellers to place the condo back on the market, well once they receive the demand letter which was around XXXX, they agreed to proceed with the sale of the home, I had agreed up front to allow them time on a contingency to find a another home it would hv been a 30 day extension to them or longer if they needed it, well my offer was submitted to XXXX XXXX at Bank of America around XX/XX/XXXX, at this time I was told by Bank of America to turn n all my necessary documents n I did by XX/XX/XXXX which was almost 30 days, by XXXX or so the agent for the seller called to ask if the closing date was set, n than it was when I spoke to XXXX XXXX n he told me the home could not b sold to me, n I ask him why not, he stated the home did not belong to the people who were selling the home to me, I said to him I disagreed as the homeowners had been living there since XXXX, I paid {$300.00} for an inspection also the {$300.00} for the demand letter in I believe this was just an excuse to prevent me from moving n the city of XXXX which has a very ugly history of XXXX  n keeping the XXXX borrowers out, they price their Homes extremely high to keep XXXX from affording them I have applied for 3 condos at the XXXX XXXX homes located 1 block from the XXXX XXXX line n I have been denied each time due to these Banks, keeping with the ugly systematic XXXX thats been going on way tooo long there, well needless to say due to Bankof America not completing imy loan Docs n a timely manner the sellers pulled out of the deal n it was a total slap n the face, n Bank of America never intentionally planed on giving me a loan all bc I wanted to live n XXXX on XXXX XXXX, XXXX XXXX referred me to a XXXX XXXX who is a local agent here n XXXX as I was soo angry n upset, I literally had the keys n my hand until Bank of America, pulled the racial rug right from underneath me, XXXX XXXX was given an address at the XXXX XXXXXXXX XXXX around XXXX XXXX he assured me all would be fine n he would send the approval, well that went South too after I gave him the address to that property, the residents their r very XXXX  they stare when u visit to do a showing with ur realtor, I explained to XXXX XXXX when he contacted me on XX/XX/XXXX, to state Bank of America will not b approving my loan, Iwas angry n I feel that the Government should not allow Bank of America down payment assistance as they r not giving loans to its XXXX customers, especially if they want to move to the racist city of XXXX XXXX, I received a call from Bank Of Americas VP of Sales a Mr XXXX XXXX around XX/XX/XXXX, he left me a voicemail stating Bank of America wants to do better at satisfying their customers n he stated there was a loan for me, I called him back to state how bank of America wasted a lot of my time n was the cause of me losing out on my dream home this should not have happened especially since I had contact previously with the XXXXXXXX XXXX Bank of America n XXXX of XXXX, n at that time I was told to pay off or down some of my debt n re-contact them, now I feel that the Bank Humilated me n violated my civil rights under the XXXX XXXX act of XXXX, the phone conversation with my XXXX XXXX the VP in which he offered to refund me my {$520.00} for the appraisal on the condo n my {$30.00} for the credit pull is just not acceptable the President mr Biden wants fair n equal housing for all Americans, regardless of their race n part of his agenda is to stop the systematic racism n the housing industry, well I was done wrong n mistreated just because I want to live n the city of XXXX XXXX, I still have not received my refunds back from the VP of sales XXXX XXXX XXXX I need to hire a Civil Rights Attorney, this should not be happening, its a total slap n the face to me as XXXX woman, who just wants a part of the American Dream, soo after reading, this terrible sequence of events, that I encountered dealing with Bank of America, Mayb someone can help me signed a mistreated XXXX Consumer, XXXX XXXX my name is XXXX XXXX phone number is ( XXXX ) XXXX and I live n XXXXXXXX XXXX XXXXXXXX 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