Consumer complaint received 2020-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX my Attorney XXXX XXXX found my assignment of mortgage was forged by XXXX XXXX XXXX, XXXX. Sr. partner for XXXX, XXXX, XXXX, XXXX, and XXXX. The Mortgage note has been duplicated by MERS and the original mortgage note was destroyed when Country Wide Home Loans offices were demolished in NJ. 



I brought the issue of the forgery to the attention of BOA in XX/XX/XXXX. BOA never replied to my repeated requested for answers. However, I also advised BOA that I had come to find out that XXXX XXXX XXXX XXXX had not provided 56 payment of mortgages to them during a mandated court order under rent receivership during XXXX, XXXX, XXXX. The ledger I have been provided from the condo association reflects that they have not paid BOA. Yet the money collected during rent receivership has not been returned to me either. 



In XX/XX/XXXX I contacted BOA to initiate XXXX for loan modification. In XX/XX/XXXX I received the package necessary to submit the forms and I have been in the process of review for modification since then. 



On XX/XX/XXXX I received a correspondence advising that my home would be sold at sheriff sale on XX/XX/XXXX. The notice was dated XX/XX/XXXX. The notice didnt not provide me with the required 30 day notice as per the foreclosure state law requirements. 



In the mid of XX/XX/XXXX, I was advised by the XXXX County NJ Chancery Division that my Pro-Se application for OSC to stay the sale of the property would be rescheduled because of an executed order by the President of the United States. However, BOA has sent me a sale date for XX/XX/XXXX. Not only did the president of XXXX XXXX  advise that there will be a 60 day ban of foreclosures and evictions on FHA mortgages, the county executive and NJ governor did too. Yet bank of America Attorneys XXXX, XXXX, XXXX, XXXX, and XXXX continue to issue sale dates for the property in the midst of an executive order moratorium. What is the matter with these ppl. Bank of America should NOT be allowed to violate the orders of the President in this manner. Homeowners are under enough stress. 



During this process of modification my sole point of contact Mr. XXXX has been less that competent. I have made the requested to have him changed on several occasions and to date he has not been changed. Mr. XXXX has no idea how to work cross functionally amongst the several departments that require information to achieve a successful loan modification. I know it all too well because I have receive a loan modification with another bank in the past and it was very collaborative. It was very detailed and required that we all work together in a timely fashion. When I speak to XXXX or XXXX, who are other teammates serving on Me. XXXX team, they provide direct information on my account. I call to follow up on documents I have provided and speak to Mr. XXXX and he is clueless. When I explain to him that the documents he is advising about have already been submitted he says well I am just going over EVERTHING why go over EVERYTHING when that has already been addressed? Go over what the underwriter needs or has said with regards to the documents, changes that need to be made to any new docs that are needed. Mr. XXXX is incapable of doing that. I have requested for the past 3weeks that Mr. XXXX supervisor Ms. XXXX call me, to date she has not. I dont believe that Mr. XXXX is providing her the messages. I need a new point of contact. The XXXX is my only hope for keeping my property at his point and not having the right knowledgeable person handling my account to be the liaison between me and the XXXX team will only prove to be a failure that I am trying to avoid.

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 non-monetary relief