Consumer complaint received 2017-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I acquired a mortgage in XX/XX/XXXX. I had lost my husband, he was XXXX and he was XXXX in XXXX. Leaving behind myself and our daughter. Looking back now I know that I was targeted due to my emotional state and of my husband 's life insurance. Starting with the loan officer who has subsequently XXXX related to mortgage originations between XX/XX/XXXX and XX/XX/XXXX. I have the indictment and was subpoenaed by the federal prosecutor as a witness, as my loan was one of the many in question. My loan qualified as a higher priced mortgage loan underXXXX.Including/pre-pay penalty/negative amortization/ARM/balloon payment/excessive forbearance I was pressured into signing the loandocuments with no time to review, because the loan officer had gone on vacation and we were late in closing. The loan documentsthat Ifinallyreceived from the latest loan servicer from the ConsumerFinancial ProtectionBureau after a complaint, showed the extreme of the financiallyirresponsible nature of the loan and also proof that the last page'ssignatureis a forgery.They show undated stamps oftransfer to Countrywide home loans. My loan wasabsorbed by Bank of America andillegallyforeclosedon in XX/XX/XXXX, in which I had reversed in court. I then filed for a loan modification under the BOA settlement agreement as my loan qualified and after months of rejections due to lack of documents, it was approved and then without noticetransferredto a new servicer XXXX, which was specificallyprohibited by the agreement. The new servicer refused to recognize the previous loan modification application and had added {$70000.00} to myprincipaland said I owed over {$100000.00} in interest and fees. 
I had been in the loan modification roundabout for years, where they refused toallow me to make payments, finallystatingI owed in excess of {$400000.00}, my loan was originally for {$630000.00}. They denied my last loan modification based on my income, which they admit to making a mistake in a letter to CFPB, it was actually under by {$2400.00} monthly. I appealed the modification decision and XXXX, XXXX XXXX trust pass throughseries XX/XX/XXXX-XXXXsold my house with no notice of sale served or posted. They sold the loan to themselves and filed and Unlawful Detainer and then sold it to another mortgage company XXXX, who also filed and Unlawful detainer. I have all correspondence, corporate filings, title transfers, company violation filings legal status of company 's in XXXX at all times, employment and licensing records of all designated signees of all transfers and documents, extensive evidence provided directly from XXXX to CFPB, showing violations of the laws and acts cited below. Including unlawful fees, charges, lack of response to written requests for information on my loan, financial statements, fee 's, interest and charges. All violations under the Truth in Lending Act and all listened codes and laws below. 

Including violations of : XXXX - Residential mortgage loan origination XXXX XXXX Code XXXX - Duty of servicers of residential mortgages The Truth in Lending Act All sections ofXXXX Financial Code Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code Section XXXX XXXX XXXX Homeowner 's Bill of Rights, '' ( XXXX ) Dodd-Frank : XXXX XXXX - Mortgage Reform and Anti-Predatory Lending Act Some of the violations made by : The XXXX ( federal indictment of fraud ) The loan officer-XXXX ( included in federal indictment of fraud ) Countrywide- ( violation settlement agreement ) Bank of America- ( Violated settlement agreement ) XXXX- ( XXXX , TILA, Dodd Frank ) XXXX XXXX ( XXXX Corporations Code XXXX )

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