Consumer complaint received 2016-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX our Bank of America Mortgage Loan was refinanced by my Mother, Brother and I to help our Mother financially after my Father passed away in XXXX. In XXXX Bank of America ( " BofA '' ) Home Retention Dept. offered her a 3-month Trial Mortgage Modification to further assist her financially. This Trail Modification lasted 4 years until it finally became permanent in XXXX, the year my Mother passed away. During this time, BofA caused the total debt surrounding our Refinanced Mortgage in the amount of {$33000.00} which was accumulated over this 4 year period from XXXX to XXXX. This occurred because the Temporary Mortgage Modification rate was paid as promised by BofA Home Retention for 4 years until the Modification became permanent in XXXX. 
In XXXX, at the Bank of America ( " BofA '' ) Refinance Home Loan Closing my Mother, Brother and I signed and initialed every page put before us of the Mortgage Agreement documents and the Department of Housing and Urban Development Final Settlement Statement document as the primary property owners of our home and borrowers of the Refinaced Home Loan. Four years later my Mother passed away in XXXX and Bank of America refused to acknowledge that my Brother and I were indeed borrowers on the Loan at the time of Closing in XXXX. When asked the reason why, BofA 's, XXXX produced a Bank Note without my Brother and my signature on it. However they acknowledged that Dept of Housing Final Settlement Statement was signed by all 3 of us listed as signatories on the document. BofA 's Assumption Dept. refused to acknowledge the descrpency and correct this action, ignoring the facts of what they had presented before them. This disregard to this date for what we agreed to and Closed on in writing has caused us far reaching ramifications with long lasting monetary damages to our family with negative results that needs to be fixed which will soon be felt even more by the actions mandated by the Dept. of Justice, IRS and State Tax Agency if we do not recover the monetary and personal damages from our losses due to the Bank of Americas negligence over the past several years. To this date Bank of America will not answer my letters, calls and pleas for action on their part to resolve this matter. Instead they distance themselves from this problem by transferring our Mortgage to different Servicers and calling the action that it 's out of their hands. Unfortunately, I 've found that it clearly is not out of BofA 's hands due to the fact that Bank of America shares the same Attorney Law Firm ( s ) with XXXX an out of State XXXX servicer. Since the transfer to XXXX in early XXXX, our Homeowner 's Insurance Escrow was cancelled however our Tax Escrow as far as I know was not cancelled. Upon pointing this out to XXXX XXXX, another transfer took place to another out of State of XXXX, XXXX in XX/XX/2016 who has not yet made contact regarding our property or complaints.

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