Consumer complaint received 2015-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
A summary and history of the loan major actions is provided as an attachment. 
I was not provided information and application for a modification under the Department of Justice National Mortgage Settlement Act. I previous applied for consideration under the Foreclosure Fraud Program XXXX Case number XXXX ) and received compensation while this loan was assigned ( supposedly XXXX to Bank of America. There is strong evidence that there has been robo signing and false citing of the securitization bundling on the loan. In XX/XX/XXXX and XX/XX/XXXX I received notification packages from Bank of America to apply for the National Mortgage Settlement modification. I attempted to contact Bank of America to do so. I was told that the loan had been transferred to XXXX XXXX and to contact them for processing. XXXX did not show that they had the loan ( there is an error in the timeline on the transfer of the loan - it was SIGNED as transferred in XX/XX/XXXX, NO NOTIFICATION was sent out as required prior to the signing and the notification actually came out in XX/XX/XXXX, with the then actual transfer date showing as XX/XX/XXXX XXXX That confusion carried over to discussions with XXXX -- They indicated that they did not offer the National Mortgage Settlement Program because they were not included in the legal suits brought against the individual lenders. They denied me the right to modify the loan and would not provide information on how to apply. I have since talked to XXXX XXXX XXXX, the case manager for my loan when it XXXX was transferred to XXXX. She told me that the case was specifically coded as being eligible for the National Mortgage Settlement program and specifically assigned to her because of her expertise and ability to work the modifications. However, she did agree that they did not reach out to me, did not send me ANY NOTIFICATIONS and did not follow their own normal procedures for ensuring customers were advised of the program and attempting to submit applications or at least contacting them concerning the program. She could not explain why they had denied my repeated attempts to apply for the program. She indicated that she would send me copies of all notes and correspondence going back to the beginning of the loan transferred in. Then, they denied that and would only send up to XX/XX/XXXX and stated that I would have to go to court to get any of the other. As the timeline drew near I increased my querries into applying for the program. I was repeatedly told that BOA had to approve the application and that they would inquire about that but that an upcoming letter from BOA had instructed them they were ceasing all application and to not process them. Follow up a week later indicated that XXXX representatives had NOT followed up with contacting BOA and we had to go thru all the discussions with still another representative for at least XXXX to l hour to rediscover the action and then to only be told that I needed to submit the request in writing but that they did not offer modifications under the National Mortgage Settlement Act program at all. Still more requests thruout the entire timeframe with the same general outcome. The refused to allow me to apply for modification under the program.

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