Consumer complaint received 2016-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I was diagnosed with XXXX and in XX/XX/XXXX I lost my ability to work. That meant we lost half our income. We had a mortgage with Countrywide which was purchased by Bank of America. I called Bank of America in XX/XX/XXXX while we were still current with our mortgage and told them of my health issue and we were concerned we might not be able to make our payments in a few months. We were looking ahead and trying to make a plan. We were told they could n't help us because we were current. By the end of the year we were not. When we were contacted about late fees I called again and we were told we could have 3 months without making payments. When I called back to see how to make our payments we were told nothing. I could n't reach anyone to discuss this with. I was given a phone number to call but no one ever spoke with me or returned my calls. Months passed and we kept getting monthly mortgage statements showing we were more and more in debt with them. There was no 3 month hiatus from payments. I called everyday and got the same treatment. I finally made a complaint to consumer protection and soon we got a response from Bank of America and we were in forclosure. I did receive another message from Consumer Protection to send more information which I did. This is now over a period of 2-3 years and we finally were offered a modification from XXXX XXXX which we had to take. This modification would have been fine except it includes a balloon payment at some point in time to Bank of America for {$110000.00}. We have tried to get a HARP loan but the loan repayment we make does n't finance or pay down that money to Bank of Anerica. 
In the end Bank of America said we missed one of our modification payments to them. As we have spent years trying to sort this out it appears that one of those 3 modification payments was made in error. My husband wrote the check for {$1300.00} instead of {$1300.00}. But we never heard about that until we contacted consumer protection. 
Fast forward to XX/XX/XXXX and every year we have gotten deeper in debt. We 've tried again for a HARP loan but the issue is still the same. Our mortgage is being paid with that balloon that will pop some day. We get deeper in debt and they get off the hook ( well not completely ) but with us they did. 
This year I hope I can finally start working again if I can get a XXXX position to do case management from home. But I am being XXXX it seems. I have n't worked for 6 years and for 4 years I 've received XXXX. So I will be retired. I tried to get help from XXXX but I 'm XXXX soon to be XXXX. I thought I could work until XXXX? I guess not if you get XXXX. Almost 7 years and XXXX XXXX, XXXX therapy and to XXXX and back later I feel like I could work. My husband is 17 years younger and I want to help pay for all the financial mess we have before I 'm gone or ca n't do much of anything. We 've borrowed against his retirement to pay off debt only to get even deeper in debt. We have n't even paid off my mothers funeral bill and she died two years ago. But we pull up our grown up pants and keep trying. 
I do n't want to leave this life owing Bank of America {$110000.00} and leaving my husband to deal with it. I want them to refund that amount to us because they cheated at the game. They lied and hid and would n't come to the phone or put their big boy/girl pants on. 
I hope you can help me keep teaching them they still are n't off the hook. We deserve to be treated as the responsible hard working tough Americans that we are. 

Most cordially XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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