Consumer complaint received 2015-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Subject : Bank of America Servicing extending processing, not evaluating documents properly. Homeowner submitted RMA requesting modification result from Loss of Income, company moved out of the area. Homeowner was denied a MHA loan modification. Homeowner was assigned to court mediation in New York, provided all required court documents. Homeowner is 26 months late and recently attended a court settlement conference on XXXX/XXXX/2015. 

Homeowner was denied a loan modification on XXXX XXXX, 2015, and was concurrently double tracking the homeowner if foreclosure proceedings : example court mandated settlement conference on XXXX XXXX, 2015. 

Bank of America has been actively double tracking homeowner above and during court ordered settlement conferences. Bank of America is not adhering to the DOJ Department of Justice/ XXXX States Attorney Generals Settlement Agreement. 

Homeowner is being discriminated against in a form of reverse discrimination because of age, race and loss of income hardships '. 

This homeowner, feels that her case has been unfairly treated for the following reasons:1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person, I had XXXX points of contact in 18 months. 
2. No single point of contact has been assigned, as of XXXX, 2015 I did not have a single point of contact. 
3. Bank of America has lost document previously sent. 
4. BoA did not inform the homeowner of his modification options under the MHA Making Home Affordable guidelines. 
5. Homeowner has asked for the original signed note and copy of the note. 
This mortgage was originated by Country Wide Financial, these are the conditions homeowner has endured : A ) wrongfully advised that documents were not submitted, or lostB ) documents were submitted by homeowner but not located in the data base, orC ) resubmit your documents again. 
D ) the foreclosure date is set and homeowner is responsible for not providing the requested documents : these XXXX points are causing a state of confusion and terror to the homeowners household. 
6. Bank of America started the double tracking procedure on XXXX/XXXX/2015. Bank of America was aware of the loan modification in process, and moved forward with the double tracking anyway. This is a clear violation under the National Mortgage Settlement Agreement ; specifically double tracking while homeowner provided all documents under good faith to protect their home from foreclosure. 
Homeowner is claiming mortgage processing discrimination in delaying processing : by overloading Bank of America processing agents with a case work load of XXXX cases as per one agent 's statement. These overload cases are causing a form of mortgage discrimination against homeowners, thus losing their homes to an inability of the Loss Mitigation department to properly manage the existing case load. 

Alleged violations, included, but are not limited to, the following : a ) Failing to perform proper loan modification processing ; b ) Failing to manage processing agents and special points of contacts, therefore causing a processing center unable to handle homeowners case loads, a form of mortgage discrimination against homeowners.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation