Consumer complaint received 2016-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seeking Clarification and transparency from Bank of America and evaluation of errors and missing factors in determination of ineligibility for mortgage assistance and relief. 
1 ) It DOES NOT appear that my medical circumstances and related hardship was evaluated, addressed of assessed as related to my request for mortgage relief and assistance. In addition to prior medical hardship documentation submitted to Bank of America including letter for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX treatment hospital documentation of XXXX 2016 XXXX. I have additionally provided Bank of America with a Doctor 's letter/certificate of Illness from XXXX XXXX XXXX and XXXX of XXXX XXXX documentation of new upcoming XXXX scheduled for XXXX 2016 XXXX. Government and XXXX guidelines extends eligibility to medical illness 2 ) Per government and XXXX mortgage assistance guidelines eligibility extends to and includes not only rental property ( note my denial was based on me not living in the property ) XXXX extends eligibility to rented property and those experiences hardship based on medical consideration.. 

3 ) Please note my requests and disputes related to denial for mortgage relief and assistance. That I do not live in the property should not be a basis for disqualification from XXXX consideration as XXXX eligibility consideration has been extended to investment property that is currently rented. This applies to the property loan for which I am seeking modification and relief 4 ) There is no indication, confirmation or communication that confirms review and consideration of the ongoing burden and hardship resulting from ongoing and unexpected illness, treatment and expenses. 

5 ) Letter including denial of assistance and notification of 45 days to short sale indicates an monthly income of {$5200.00}. I request specific details, breakdowns and clarification of how that was determined and what that number includes and is based on. 

This same letter indicates denial indicates that my monthly house household expense " which includes your loan 's monthly principal and interest plus property taxes hazard insurance and homeowner 's dues are considered affordable. I am requesting transparency and disclosure not provided in the letter. The letter does not disclose, specify or provide detailed breakdown listing what Bank of America has included in monthly household expense. I respectfully request that this detail be provided as I believe there are errors in the calculation. The letter states that " monthly expense including your housing expense. '' However for my residence there are no XXXX fees as implied in the letter. My residential mortgage principal interest and insurance total {$2400.00} and for the investment rental property in question ( which per XXXX is eligible for relief consideration ) for which relief is requested the principal, interest, insurance and homeowners ' dues amount to {$3000.00}. These two monthly expenses total {$5500.00} of the monthly household income determined by Bank of America. This is without consideration for normal household living expenses such as food, electricity, heat, phone, water, municipal trash services, car maintenance, car fuel, transportation. And no consideration is indicated for the additional medical bills from my ongoing unforeseen illness ( which is also an eligible basis for XXXX consideration ). Illness is a legitimate and valid criteria for which to request mortgage relief. In addition to medical illness documentation previously provided Bank of America with my original submission for relief consideration of medical hardship. Further reference related Case number : XXXX and Case number : 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