Consumer complaint received 2015-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Bank of America has been requesting that we re-sign and re-notarize our mortgage documents because they detected formatting errors in the original documents that are preventing them from filing our agreement with the XXXX XXXX Court. 
Bank of America hired a third party agency to contact us and arrange to have their notary public come to our home to have a new set of revised mortgage documents signed and notarized. We requested that Bank of America send us a copy of XXXX our originally signed documents and a copy of the revised documents, highlighting the formatting errors that they mean to correct. We have made this formal request to them three times. 
The first time they requested this action was in XXXX 2015. At that time, we let the third party know that we wanted to know exactly what formatting errors are questionable to the court. The third party is not privy to that information and connected us with Bank of America to have our questions answered. We told Bank of America that we are not signing any new documents until they show us the specific, highlighted errors that they are revising. Bank of America said they would get back to us with that information. 
Instead, in XXXX 2015, we received a second set of documents with the identical request for signature and notarization to be arranged by a third party agency. Again, we told the third party agency that we only want to know the exact changes to be made to our mortgage documents before we sign anything. The third party agency began a series of harassing phone calls to schedule the notary public to meet us at our home. We asked them to discontinue this protocol until our questions to Bank of America are answered. 
In XXXX 2015, we received a third identical copy of the request to sign and notarize newly revised documents and the process with the third party agency began anew. We let the third party agency know that we were still awaiting Bank of America 's response to our question. 
Then, XX/XX/XXXX, a notary public randomly showed up at our residence and said they were sent by Bank of America to witness us sign a new set of revised mortgage documents. No one called to schedule this visit and we let the notary public know the history of what had transpired thus far and that we would not sign anything until Bank of America gave us a highlighted version of the documents to make clear what the formatting errors are and what would be revised in the new documents. 
We believe that Bank of America is trying to do something underhanded with regard to our mortgage. We understand that we agreed to assist in correcting any possible errors. However, we did not agree to sign new papers without knowledge of what specific mistakes were made and how the corrections impact our mortgage. 
Please have someone from your office contact me, or my husband, XXXX XXXX, XXXX, to discuss any possible recourse we might have and what our rights are under the law. 
Thank you very much.

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