Consumer complaint received 2017-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my home in XX/XX/XXXX with XXXX. My mortgage was with Bank of America.The closing was rushed and I was never told about XXXX, XXXX also attests that he was never informed of a mortgage with XXXX.My payments always went to Bank of America.There was never a payment sent to XXXX. In XX/XX/XXXX, I lost my job due to XXXX. I applied for a modification which took forever to process because Bank of America stated documents were lost, after I sent them in countless times BOA stated that they needed additional information which had already been sent in. I was finally approved for a modification of around {$740.00} ( unsure of exact amount ). I began making these payments strictly off of my unemployment income. Not soon after I began making payments, a new governor was elected in XXXX ( XXXX ), and he enacted a law that would cancel emergency extended unemployment which completely canceled my unemployment income. My XXXX is XXXX and the XXXX of BOA refusing to process my paperwork in a timely manner began to affect my XXXX, and I began to XXXX and had to have XXXX. XXXX this was taking a toll on me as all I could think of was Bank of America calling me sometimes 3 times a day every day of the week wanting to know when I can make a payment and I had just gotten out of the hospital! I then applied for another modification due to the change in circumstances and this time they came back with an even higher amount due of around {$990.00} which I could n't pay without any unemployment income coming in. I believe this entire time they were still processing the modification as though XXXX was on the mortgage even though he previously signed a quit claim deed. Bank of America also neglected to inform XXXX and I that " Assumption paperwork '' needed to be filled out at that time. I had found out years later by a BOA acct manager who stated that the assumption paperwork was never submitted. I asked " What was the assumption paperwork? '' and she stated that it should have been done with the quit claim deed. We were never informed of that. So, I then had to start the modification process again asking them to not include XXXX or child support payments. They again increased the mortgage and it 's continually been a battle since then.The last statement amount to pay was over {$1200.00} Bank of America wants to foreclose on my home and has a hearing date of XX/XX/XXXX in XXXX County, XXXX. Bank of America has hired a substitute trustee to represent them. The substitute trustee is XXXX, Foreclosure dept. XXXX, Firm case no. XXXX ( XXXX ). The attorney over this account is XXXX.I believe the trustee is XXXX. 
The paperwork that was filed in the General Court of Justice states that the noteholder intends to commence foreclosure on the note and deed of trust dated XX/XX/XXXX held by XXXX ... .no one ever signed on with any paperwork from XXXX! They also claim that they are going to '' accelerate '' due to non-payment when the negligence has consistently been from Bank of America not honoring good practices when they were aware of the hardship they placed on me and my family by not admitting to their wrongdoing.The beneficiary mortgage is XXXX.Please do not allow the servicer XXXX to foreclose on my home. I am waiting for The Bank of America to respond to my " Produce the Note '' request. They have not responded as of yet. 

It would be a hardship for me to attend the foreclosure hearing scheduled for XX/XX/XXXX in the XXXX, XXXX County, General Court of Justice. I am now in XXXX due to the bullying tactics of Bank of America and appraisal inspectors knocking on my door. The XXXX was just too much. I thought about selling the house

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