Consumer complaint received 2016-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Before my husband died in XXXX, 2010, we obtain a trial payment for loan modification in which their representative XXXX id # XXXX I believe ( for I do not have my notes right now at work ) but he advised me not to continue paying for now and to try work with XXXX. I questioned him and made him note my acct bc sound fishy on XXXX/XXXX/2010. 2 months later I received denial of perm modification based on failure to complete payments. I since was advised to assume loan and do probate and other ridiculous things that I should not have to do or go thru. My account became further and further delinquent as I diligently tried to work with BofA for resolution and I sent letters to CEO office, Escalating to fullest but issues overlooked several, several times. Dual Tracking became apart, too bc I would get many differ Relationship Managers and when I bring up XXXX doing of incorrect advise and notes then they would look into it and see it, say they will help me with loan mod submission again and get resolution so I can keep my home, however, Relationship manager end up not following back up after few days then I will call them and they no longer on my file and I am giving someone new causing me to start ALL over again with process. Not majority times was I given written notices for denials or chance to appeal. BofA even went as far as pushing my loan off to XXXX to service to take the heat off them and act as though they did nothing. I even talked to XXXX XXXX XXXX who was Supervisor in Advocacy or the Relation Mgr team and he found the noted acct and then advised he could n't do anything if he wanted to he tried to look at ways to help even with allowing the reduction and I found that to be faulty and fraud bc how do I not qualify even with a Principle Reduction but tell me anyways XXXX is taking over so take it up with them. I then had to start process ALL the way over again. This dragged on, too long when I could have been paying my mortgage to avoid any default or wrongful foreclosure, as well as paying differ agencies or law group to help me with this situation getting rip off when the monies could have been for a roof over my kids heads. Not to mention that I would receive notice of note change for affordable amounts but when inquired on it the reps always it do not pertain to me because trying to get modification. BofA FORCED NOW MY KIDS OUT ON A EVICTION FOR THEIR GREED AND MISREPRESENTATION, AS WELL CORRUPT DEALINGS OF MORTGAGES when they were given money to help homeowners like me, continuous violating HMBR and judicial system steady allowing this action bc statue of limitations or bc a " Big Corporation '' compare to me not having money to pay {$10000.00} upfront to get legal help to defend them off from taking our home. I am not a dead beat just a hard working loving mother trying to keep a roof over my kids head if nothing else due to my husband completely remodel this home with his hands and sweat, so why would I want to not pay and lose it with nowhere else for us to go, Please tell me, that sound stupid. BofA need suffer for their actions and ITS PROOF WITH the Attorney General, XXXX XXXX suit she made against them for ALL THE SAME REASONS. So why I do not get JUSTICE? 
The attachment listed is my reasons to show that BofA is in the business of shady businesses, fraud, and trying to cover their butts even though I tried diligently hard time after time over the years even while not having time to grieve proper the death of my husband because I wanted to do nothing but pay my mortgage in order to NOT lose our home, the one SAFE and STABLE PLACE for my children and I that my husband rebuild himself. Still for the judicial system, Judge XXXX is just as well unjustice for not allowing my evidence.

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