Consumer complaint received 2016-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, In their response to my case No. XXXX, I would like to respectfully request that the legal team for BofA review this complaint against the bank with regards to my rental property at XXXX XXXX XXXX, XXXX XXXX Ca. XXXX. They have in their previous response, lumped this case with that of my home. The XXXX cases are completely different, as this XXXX involves XXXX SEPARATE WRONGFUL FORECLOSURES five years in a row, and AN ARBITRARY RESCISSION OF A SETTLEMENT BETWEEN THE BANK AND ME. I am enclosing a summary of the problems regarding that property, and a log of communications between the bank and me from XX/XX/XXXX to XX/XX/XXXX. I would like to question whether BofA had the right to sell that loan to XXXX mortgage given these unresolved legal issues. I appreciate the opportunity to address these problems with you. 
FORECLOSURE NIGHTMARE for XXXX House -- Bank of America offers a forbearance program then takes it back. 
In XXXX XXXX, after many calls, I obtained a forbearance program for XXXX House, a six-months ' period of lower loan payments while I applied for an outright modification. I unfortunately returned the packet describing the program without making copies first. That would come back to haunt me. 
I made my first XXXX payments without problem, but then my mother fell ill and I had to go to XXXX where she lived to be with her for 4 weeks. My business partner did not make the XX/XX/XXXX payment in time, but he made XXXX payments just before I returned in XX/XX/XXXX. He called Bank of America and was assured that it would be OK. By XXXX XXXX, XXXX I received a letter telling me I 'd breached the terms of the agreement. I made calls and was told all was good. I made my next payment in XX/XX/XXXX. But even though agents like " XXXX '' on XXXX XXXX, were telling me I was confirmed for an arrangement, the bank was leaving foreclosure notices on the property. I went on to provide documents for the next step in the arrangement, and received a Notice of Intent to Accelerate on XXXX XXXX ( I had no clue what those meant of course, I just knew they meant trouble. ) I sent letters that month that were only acknowledged as received by the bank ... on XXXX XXXX, XXXX. I made more payments and by XXXX XXXX, my modification was denied because " my loan was current. '' Go figure ... 
I kept asking for a copy of the forbearance agreement, by phone, fax, and mail, but despite regular assurances that I would get my copy soon, I never received one. I never could check what the terms were, what my options were, etc. As I tried vainly to reopen the forbearance, or apply for a new modification program, there were long delays, often several weeks. I made a few more payments. My next one was refused and a Notice of Default followed. I hired an attorney to get informed and to prepare a good " Letter of Hardship, '' the central ingredient for a modification application. She did a few calculations, told me my income could sustain a modification. I sent zillions of pages of documents to a host of people with different names and fax numbers, but in return, I received a notice of Trustee Sale in XXXX XXXX. I had again been put on a dual track. The foreclosure track is always faster than the modification track. 

UTTER WRONGFUL FORECLOSURE NIGHTMARE at XXXX House. Bank of America sells the empty lot next to the house illegally FIVE times in a row, and unilaterally rescinds a settlement agreement. 
The modification process for XXXX House was similar to my home 's endless cycles of highs and lows, endless faxes and calls, vanishing sometimes reappearing agents. But what sets it apart besides the bungled forbearance situation, was a series of foreclosures that included an adjacent lot in every Trustee Sale Notice between XXXX XXXX and XXXX XXXX. This all started on XXXX XXXX, XXXX when I received a Trustee Sale Notice that described XXXX

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