Consumer complaint received 2015-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was offered a home modification by BOA and when I called to try and understand the modification BOA own supervisor did not understand the modification terms nor could she explain it to me until she spoke with XXXX different specialists. I was forced to sign the modification in 15 days without time for me to schedule a lawyer to review. I was told if I did not sign and return within the 15 days I would lose my home. I called and asked for an extension of time so I could have a lawyer review before I sign and BOA refused. In fact, the day my signed papers were due fell on a Saturday XXXX XXXX so XXXX XXXX of BOA told me that I must have in by that Friday XXXX XXXX or I would definitely lose any modification options. It was already Wed XXXX XXXX. I have no idea what income they used for my modification nor the value of my home and Why BOA was not able to offer me a differed balance that does not accrue interest. I called XXXX XXXX and I called his supervisor left messages for both of them to call me back immediately because I was being pressured to sign this modification in less that 14 days after it has taken me XXXX YEARS to get anyone from BOA to actually help me. NO ONE FROM THE OFFICES OF THE PRESIDENT OF BOA HAS RETURNED MY CALL even though their vm states that they will return my call within XXXX hours ... It has been 17 days. 

I was then told to not make my XXXX payment. MY XXXX payment of my modification is due on the XXXX of XXXX. BOA has not mailed me a single piece of information telling me where to make my payment. THEY DID HOWEVER, send me a letter stating that my home is being foreclosed upon because they did not receiveve payment for the month of XXXX ... The month that XXXX XXXX and his supervisor XXXX both told me not to make a XXXX payment that my home was in the modification process and I am to only begin to pay for the month of XXXX. When I took the initiative to call today to make a payment since no one from BOA would tell me where to pay I was told that it would be a {$20.00} fee to make it over the phone and that my account is still in the process of being modified so there is no where specific for me to be able to send in a payment ... BOA SETS ME UP TO FAIL EACH AND EVERY TIME THEY SEND ME ANY CORRESPONDENCES ... I am an educated woman who has lost XXXX years of my life, my credit, any equity in my home and any extra money I had to pay a lawyer to help me put a stop to all of this. I was also advised by both XXXX XXXX and XXXX of BOA that there are programs that randomly are offered by BOA to help make my modification better. I was told that this information would be mailed to me. But to be very careful to not miss the information in the mail because it will look like " junk mail '' and I only have 2 weeks to respond or I will lose any opportunity on any special offers. I just received a letter in the mail. It " appeared '' to be official but with I called BOA they could not verify. They asked that I " fax '' them the mailer. This is how I was orginally " scammed '' by BOA ... my personal financial information is made public when you are late making a mortgage payment. SO my name and address are offered up to every " scam artist '' in the country. BUT BOA wants me to pay attention to any mail I may receive from them because it looks exactly like all of the other pieces of scam " junk '' mail that I receive .... THIS IS MADNESS! I have been used, abused, taken advantage of, lied to and drug through every emotional rollercoaster possible. I have physically and mentally taken such serious abuse from BOA that I feel as if no one will ever put a stop to it ... the only option I am left with is to make a year 's worth of payments on time and pray to XXXX that someone else will be willing to remortgage my home so I can completely be freed from this BOA nightmare of continual abuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief