Consumer complaint received 2016-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As a first time home buyer who relied on Countrywide and their so called honest eputation and experience, took out our first mortgage loan with them in XXXX XXXX. 
My mother had just passed away from XXXX in XXXX and willed me money to purchase my first home, so that me, and my family could have a better life. 
After filling out the paper work and getting the keys in which we had to run them down for in XXXX, XXXX, my family and I were caught in between a scandal with Countrywide. We later found out it became public in XXXX which was two months after purchasing the house. 
My husband and I signed our lives away with hundreds of documents from Countrywide with the asking price of {$380000.00} with monthly payments as low as {$1400.00}. We never received the final documents, because we were told that they would be mailed out to us via XXXX. Two months went by and we never received anything. I called and called Countrywide there was no answer or no response from them. It 's like they never existed. 
Finally we started getting threating and unprofessional calls from Bank of America. We were told by one of the representatives from Bank of America that the house was {$460000.00} with monthly payments of almost {$4000.00}. I was in disbelief and was told from the Bank of America employee " You are old enough to know better. '' I then asked to speak to a supervisor whom I thought would be more sympathetic, passionate and with a little more experience. But boy was I wrong. The supervisor was more harsh then the first Bank of America representative. She advised me to do what I had to do or go get an attorney. They were only there to collect their monthly mortgage payments and that was it. 
We were then forced to re-modify our loan due to difficulty making payments and when we did re-modify and were approved. They approved it for {$4.00} dollars less than the original loan which was {$3800.00} dollars. 
Loan # : XXXX We called and tried to reach out to everyone and still no response for months. They continued the harassment and threating phone calls until one day I finally got someone to listen to my situation and who was very concerned and really wanted to do something to help. That person was XXXX XXXX secretary. 
We all know what BOA and Countrywide executives did and they must be held responsible and accountable. Instead of filing a lawsuit against Bank of America due to : 1. Discrimination ( age, race, and XXXX 2. XXXX / Marriage XXXX 3. False documentation including modification 4. Fraudulent of loan ( which is a crime ) 5. Foreclosure crisis 6. Pain and suffering 7. XXXX This exposure has been linked to the development of XXXX and XXXX, including XXXX, XXXX XXXX, XXXX and other conditions. 
I 'm also bringing a legal claim that we were not informed of the exposure and the danger of this and that also makes Countrywide/Bank of America liable and failed to inform, warn or protect us against the danger. 
Health Risks of XXXX XXXX can cause XXXX to the XXXX and other XXXX and lead to the development of XXXX. These symptoms may not appear until 10 to 50 years after exposure has occurred and we 've been living in the house for XXXX years. Approximately XXXX to XXXX Americans are diagnosed with XXXX each year, and about XXXX to XXXX XXXX XXXX XXXX deaths are recorded annually. And an estimated XXXX people in the United States are currently living with XXXX, an XXXX of the XXXX XXXX caused by exposure. Many other XXXX and XXXX have been linked to exposure. 
XXXX XXXX in buildings can lead to a variety of health problems. Various practices can be followed to mitigate mold issues in buildings, the most important of which is to reduce moisture

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