Consumer complaint received 2016-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working on a modification with Bank of America since about XX/XX/XXXX. The loan was originally with XXXX XXXX and then transferred to Bank of America in XX/XX/XXXX. I had to go on XXXX due to an injury to my XXXX and lost my income. I am divorced so I only had my income at the time with sporadic child support payments. My loan was originally {$57000.00}. At the time I was unable tomake my payments, the loan was approximately {$35000.00} and I was paying a rate of over 10 %. 
The issue has been that I have been submitting paperwork time after time since XX/XX/XXXX! I was then denied because they said I did not have a complete file. It was a non-ending situation sending documents time and time again and the bank saying they were not receiving my paperwork. I feel like they were doing it on purpose. I have not given up because this has been my home since XX/XX/XXXX! 
Then when I was able to make a few payments, I was advised that the bank would not accept them. Then in XX/XX/XXXX they accepted a few payments, so I thought my loan was going to be modified only to find out the bank would not take any more payments and now I am over {$30000.00} in arrears. 
I again submitted more documents in XX/XX/XXXX at the beginning of the year and I was advised most recently that a modification was denied because I had too much income! I do n't believe that the underwriters reviewed it properly nor did the bank representatives properly advise exactly what was needed. My father who is now living with me, contributes to the household, but they took his whole income, which is not the case, he contributes as I mentioned to the representative a portion as he also needs part of his income for own purposes. 
This situation has been very XXXX and caused more health issues since the inception. I now owe over {$65000.00} per the bank representative and it is very disconcerting since my loan was originally {$57000.00} when I purchased it and was down to {$35000.00}. I feel like the bank has put me in this situation by waiting over 5 years to assist me with a modification and I am still waiting and now being told I have to reapply!!! When I asked for the original note, they could not find it. I also asked for a copy the balance and payments applied to my account when it was transferred from XXXX XXXX and they could not tell me since they said they do n't have the note. So how can I trust what they are saying or how much I really owe. When I call some agents say that I owe {$35000.00} and that is what I need to pay it off, and again must recently I was told that I owe over {$65000.00}. 
I do not want to lose my house over the bank 's refusal to properly review my documents and constantly losing my paperwork. I urge you to assist me in not losing my home as I was told there was a trustee sale date which I had no idea since I was in the process of the modification. I was told that this was in violation of the Homeowners ' Bill of Rights. As they are trying to foreclose while I am in a workout process. It seems that the bank is violating a lot of guidelines.

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