Consumer complaint received 2017-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I 'm writting a complaint againts Bank of America XXXX. for foreclosing on my house for 5 years at XXXX XXXX XXXX XXXX XXXX, Wa XXXX. I XXXX XXXX and XXXX XXXX purchased the house in XXXX. It was our home we both paid bills until XXXX XXXX got sick and laid off I was still paying all the bills. XXXX XXXX gifted the house in XXXX and did a quick deed of trust.When she left me in XXXX I was still paying the bills. She even wrote a letter and we got it nortarized. When she gifted me the house, she told me there was only XXXX left owed to the bank. I was going to sale the house. Me and my realtor called the bank to see how much is owed on the house the full amount they keep telling me XXXX and I do n't have authorization. So me and my realtor priced the house for XXXX. We had a buyer but when we found out that it was more than XXXX and I would n't be getting anything back for me and my family. So me and my baby mama tried to modify the house with an housing authority agent we gave them both our information. My baby mama just got a good job they told us everything looks good and it should go through but the bank stopped the process because we were n't on the loan. When I spoke to XXXX XXXX she told me she talked to the bank and signed an authorization form and I have authorize to the account of the house it was hard for me to get a hold of XXXX XXXX because my baby mama and her do n't get along at all so when I XXXX to XXXX XXXX again the bank called her about the modification that 's when she modified the house and it went through but my baby mama disagreed with it because XXXX XXXX does n't live here we do, so she did n't help me pay any of the bills. After the modification the house went back into foreclosure. I was trying everything I can to save my home for me and my family. The bank still foreclosed on the house without solving the problem. The propriety is in my name and the account is XXXX XXXX name how can the bank foreclose on the house without consulting me I 'm on the deed of trust. I 'm suing the bank for almost giving me a XXXX, in and out of the hospital, depressed, stressed, and causing my family leaving. I ' m on XXXX and been sick for awhile but I 'm trying to get better to go back to work to support my family. All I 'm asking for is help me buy another house or grant me a house otherwords gifted or grant me the money I was going to sale the house for XXXX, owed to the bank is XXXX that leaves XXXX that should of been my money for me and my family to get a new place. We are staying with my sister and her big family but we need our own space. Everything that 's been said and written that 's the honest truth and I can prove it in court. I ca n't afford a lawyer if they can grant me a good lawyer to represent my case. 

I XXXX XXXX is writing this response regarding XXXX XXXX complaint. XXXX XXXX contacted me regarding the complaint. I have read and understand the complaint and everything mentioned in the complaint is true. I agree that Bank Of America XXXX. was unfair they should of told him the right full amount so he could sale the house. Bank Of America XXXX. should of let him modify the house since the property was his and his name is on the deed of trust and i no longer lived there and we were n't together. I also told Bank Of America XXXX. that XXXX XXXX has authorization on the account but when he calls they keep telling him his not authorized. I 've signed authorization forms and talked to Bank Of America XXXX. about this situation so many times

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