Consumer complaint received 2015-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have no idea if I am sending this to the right people, But I am sending many, many emails out to who ever will listen. I am about to lose my home in less than 2 months. I have been working with Bank of America for the past 3 years to get my mortgage in modification, I was told that I had a XXXX party mortgage lender that gave me a bad refinanced mortgage. I owed {$170000.00} on my home, now I owe them {$240000.00} on it and they are refusing to give me my modification. I have sent paper work almost every month for the past 3 year to them, every time we start to get some where on this the reassign me to another case manager or what ever they call themselves. so then I start the process over again and send new paperwork to them. I have video taped myself going to XXXX and sending the papers, I have video myself putting each piece of paper in the envelope. I had recorded conversations with these people. They keep telling me that they show I was approved 2 years ago, then last year and now they tell me I was in XXXX of this year. But yet, I was still being told that they need more paper work, I was never told of my payment either. but I know they lied because I would not of had to keep sending new paper and getting a new case worker. And starting the process over again and again. 



This all started because I refinanced to think I was getting a better interest rate and lower payment. And once Bank Of America got a hold off my loan they kept increasing my monthly payment. I kept calling them as to why my payment was going up and why I am NOW paying almost {$2200.00} on a 30 year 4.25 % FHA loan on {$170000.00}. They never had answer, but he did say I qualified for the government modification if I could not make this payment anymore. Which I could not. This was way more then what I was originally paying before I refinanced. 

I have boxes full of paper work and after at least XXXX case managers later and after being told I was approve XXXX time, which was a lie. I am now faced with losing my home on XXXX XXXX 2015. This is n't just a house to me, this is my home with my XXXX kids and this is my investment after my husband past away. 

I am begging anyone that will listen, I have contacted my Department of Justice with no help from them. I have talked to a XXXX XXXX, and a XXXX XXXX. They said they could not help me, even though XXXX is the one that represented the State of Wisconsin in the law suit against Bank of America and the United states. 

I just cant believe that they are ( STILL ) allowing Bank of America to get away with this. HOW DO I TRUST ANYONE. I want to believe that I live in a great country but they allow big companies to screw me over, I have never missed a payment until all this happened, And when out President says the bank need to give everyone their loans back, no one is following up on this to see if they are doing what they agreed to do. 
They are will to foreclose on me instead of making it right with me, I am willing to pay what ever it takes, Just give me my loan back. If I owe them {$230000.00}, fine, Just let me make my payment to them and all would be good. But Bank of America is a bunch of thieves and would rather steal my home from me. ALL I WANT TO DO IS MAKE IT RIGHT BY PAYING THEM BACK. Trust me I can make my payments if they just give me a real payment back. 
And Stop giving a new case manager every time we get close to getting this taken care of and then we have to start over and also, They give me case managers with fake names. 

In XXXX I was diagnosed with XXXX XXXX, I had surgery in XXXX and now I have had to opt out of any treatment because of the stress that this is causing me with losing my home. I am willing to give my life to save my home for my children. This is what it has come to. 
So I am Begging for help anywhere I can get it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation