Consumer complaint received 2016-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We are filing a complaint against Bank of America because we feel we have been treated unfairly, have been strung along and caused to be in a situation of foreclosure that we should n't be in, due to their poor handling of our account. 
In XXXX my husband got laid off of work, we immediately called Bank of America to let them know of our hardship, the person we spoke with on the phone said they would send a modification packet, to fill it out and get it back to them. We filled out the packet with all of the required info as soon as we received it. We sent the packet back to them before the date on it was due. We got phone calls from them asking for more documentation, we sent the documentation as soon as they asked for it. After months of back and forth communication of them asking for the same documentation over and over and us faxing, fed exing and mailing them the documentation. 3 case managers later and constant stressful conversations on the phone, I was hospitalized from stress. I spent the XXXX of XXXX thru the XXXX of XXXX hospitalized and missed 2 weeks of work. Bank of America sends us a check for a random {$380.00} with an apology letter stating they had n't been handling our account well and to accept their apology with the check. I still have not cashed the check and it is still attached to the letter, because I will not accept their apology. We recieved a letter the end of the first week of XXXX 2015 that was dated XXXX XXXX stating we did not qualify for any modification and that we had 45 days to get a licensed real estate agent to do a short sale on our home or our home would be foreclosed on. We called the hope hotline to get advice on what to do, the hope hotline called bank of america to talk to them on our behalf and because the hope hotline records their calls bank of america would NOT speak to them. XXXX XXXX we call and make an {$880.00} payment over the phone to them for the XXXX payment, XXXX XXXX, 2015 we call to let Bank of America know that we have the {$7200.00} to bring our loan current and that we need an address to overnight them the payment. The address is given, I ask for our manager to call us back to verify the information I was given over the phone. She calls us Monday the XXXX of XXXX and tells me as of that day we are in foreclosure. Keep in mind the letter dated the XXXX of XXXX gives us 45 days, yet on the day 35 we are sent to foreclosure. We get a letter from an attorney that states they are now taking care of our foreclosure. We then get a reinstatement letter from Bank of America on the XXXX of XXXX after we get off work at XXXX, ( we get the mail everyday ) the letter is dated the XXXX of XXXX yet the XXXX is when we get the letter that states we have been assessed attorney fees for the amount of {$1600.00} ( really for 1 letter is n't that a bit excessive ... and the fees were assessed BEFORE we even received anything from an attorney ) So if we come up with a payment {$7200.00} we are behind + their {$1600.00} in attorney fees our account will be brought current, they give us less than 24 hours to get the payment to them, when I call to tell them that is unfair and that they did not even give us time to get the payment to them in a timely manner they basically tell us too bad and now they are assessing more attorney fees since the money was not given to them by the deadline. We have been completely strung along, miscommunicated to forced undue stress, loss of wages etc due to them. They have put us in this situation, due to their XXXX ways of doing business not because of anything we have done or not done.

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