Consumer complaint received 2015-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Spoke to XXXX XXXX Customer Advocate Enterprise Customer Care Resolution and we were denied again. 
This was our previous Case number : XXXXBank of America is playing games by putting they are in progress but they deny the modification and tell CFPB they are working on it. 

2 years and they denied a loan modification after numerous attempts. 

Response not disputedBank of America Home Loan said : Explanation of closureEnterprise Customer Care ResolutionBank of America, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX received on : XX/XX/XXXXDear XXXX . XXXX and XXXX . XXXX : We recently received an additional request about your mortgage loan. 
What our records reflectAfter reviewing your request we have not been able to find a change in your situation, additional information, or unaddressed concerns ; therefore, we consider this matter closed. Should you have any questions or concerns, please let us know. We are enclosing copies of our previous responses for your records. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXOur records indicate that your loan is current and your next payment due is for the XX/XX/XXXX installment. 
If you have any questionsPlease contact Customer Relationship Manager XXXX XXXX, with any questions you may have at XXXX, Monday through Friday from XXXX to XXXX Pacific. Please have your full loan number available when calling to ensure that your call is properly routed. 
Sincerely, XXXX XXXXCustomer AdvocateEnterprise Customer Care Resolutioncc : Consumer Financial Protection Bureau, case number XXXXBank of America, N.A. is required by law to inform you that this communication is from a debt collector. If you are currently in a bankruptcy proceeding or have previously obtained a discharge of this debt under bankruptcy law, thisXXXXContact Us:XXXXLoan Ending:XXXXService Request Number:XXXXXXXXPage XXXX of XXXXnotice is for information only and is not an attempt to collect a debt, a demand for payment or an attempt to impose personal liability for a discharged debt. 
Mortgages funded and administered by an Equal Housing Lender. 
Protect your personal information before recycling this document. 

ResponseCurrently conducting a research in order to provide a resolution. 
WHAT HAPPENEDDescribe what happened so we can understand the issue ... 
have an adjustable loan and want a fixed payment. I am current, have equity, but since I I I am retired my income does not qualify for a traditional mortgage even with the same company I have my current mortgage with. 
I have been trying for over 2 years to get a loan with them and they constantly change people on me, give me false hope and then tell me no after repeated yes we can do the loan. I am concerned as interest rates are moving up and I am on fixed income. I started the process when rates were at 3 % and now they are over 4 %. 
Consent to publish the description of what happened? Consent not providedWhich part of the mortgage process is your issue related to? 
Applying for the loanThis is about Conventional adjustable mortgage ( ARM ) DESIRED RESOLUTIONWhat do you think would be a fair resolution to your issue? 
Would like a 30 year fixed loan at 3 % which I what I wanted 2 years ago when I started this processMY INFORMATIONContact informationMailing addressXXXX XXXX XXXX XXXX CA XXXXUnited StatesEmail XXXXXXXXXXXX XXXXAge XXXXI am submitting on behalf of MyselfPRODUCT INFORMATION Property address is the same as mailing address. 
Account/Loan number XXXXInformation about the companyBank of America Home LoanUnited States

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