Consumer complaint received 2018-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Property in question has not had a payment made since XX/XX/XXXX. Bank of America filed for a foreclosure in XX/XX/XXXX but never followed through with the foreclosure, Instead they sold the first mortgage ( {$120000.00} ) and sold the third mortgage ( {$30000.00} ) but kept the smallest lien ... A Balloon mortgage of {$21000.00}. Bank of America named the 3rd HELOC countrywide but I have statements from XX/XX/XXXX and they are clearly from Bank of America. Shortly after Bank of America renamed the third HELOC loan " countrywide  '' Countrywide then sold it and now it is with XXXX XXXX debt collector. 

I became ill in XX/XX/XXXX and was in and out of work until my doctor took me out of work permanently in XX/XX/XXXX. 

In XX/XX/XXXX, I was notified that I had yet another servicer and investor ( XXXX and XXXX XXXX ). Who tried very hard to work with me and Bank of America because I WANTED TO LEAVE the house. I wanted to go on with my life. These mortgages were all discharged in my bankruptcy chapter XXXX in XX/XX/XXXX. If you need proof of that I can provide it. 

XXXX was assigned the mortgage in the XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to cut their loss because the property wasn't worth foreclosing on because so much time had gone by and the property 's in this area were selling for {$15000.00} so they decided to release to the lien on the first mortgage ( {$120000.00} ). Then that would put Bank of America in place to foreclose. Since Bank of America offered no options to them either. Bank of America wanted me to modify the loans! no other options ... I discharged the mortgages in a chapter XXXX and gave up on the mortgage companys in XX/XX/XXXX. 

Recently, XXXX servicing for XXXX sent XXXX county the discharge/release of lien for the first mortgage and it was denied! YUP! DENIED after much digging around in county records ... I found XXXX County rejected the release because Bank of America filed an Assignment of Mortgage in XX/XX/XXXX just one month after XXXX filed theirs in XX/XX/XXXX. Bank of America denies owning that mortgage and refuses to do anything about it ... they have holding my life hostage for nearly a decade! 

this property that is falling apart. The ceilings are caving in. Someone broke in and it caught on fire at XXXX in the morning a couple weeks ago. This house is a duplex, with a family, that lives on the other side and they have a son, with a severe XXXX. Their son is a man in a wheel chair that visits on the weekends and holiday 's because he needs 24 hour care. I had to abandon the property before last winter because I wasn't sure I would get through another winter with that furnace. I left with only the things I could carry. I lost everything because Bank of America wants their {$21000.00}!!!!! They puts peoples life in danger ... they ruins a decade of someone's credit because I had to file a bankruptcy. In XX/XX/XXXX, I BEGGED THEM FOR HELP ... I BEGGED THEM FOR A MODIFICATION. THEY REFUSED ME! I hired an attorney and sat with a Consumer Credit Service ( I  also still have that paperwork from Counseling Service ) where the counselor made a note that we called Bank of America together and they took all of my financials and after a rather long wait time they got back on the phone and said NO. NO modification ... Nothing available to help you. We are going to continue on with the foreclosure. 

8 years later ... I lost everything I had ... and the family that I lived next to since XX/XX/XXXX and I care about could have died in that fire.

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