Consumer complaint received 2017-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Nearly 10 years ago, even though scared, I was convinced to buy my first home backed by the XXXX XXXX XXXX 's section 8, first time homebuyer 's, down payment assistance program. Upon selecting a home I was interested in and it passed the FHA housing inspection, I went through with the purchase. The transfer and closing was completed through XXXX XXXX XXXX and went pretty smoothly ... so I thought. 

The original mortgage was set up through XXXX XXXX XXXX, who is no longer in business that Im aware of. They went out of business shortly after I purchase the home. My mortgage was turned over to XXXX for 2 to 3 years before they too went under. My mortgage was then transferred over to Bank of America and stayed with them for 5 or 6 years. Throughout all the mortgage transitions I was never late, fell short or missed a payment since my Mortgage payments began. My mortgage loan was set up on an FHA loan and my mortgage holder kept up on an Escrow account to pay all of my my yearly property taxes and homeowners insurance. Everything seemed to be going going well until I landed into a very bad situation, where I was going through a XXXX and was going through severe XXXX XXXX. In one of my ex-husbands XXXX XXXX, my right foot was shattered and required XXXX XXXX. To this day I have not fully recovered and may wind up going through a partial amputation as an end result. Because of the injury sustained, I was out of work for about a month. In the time I was out of work I wound up exhausting my XXXX and XXXX leave balances and my paycheck ceased. I knew that I still had a mortgage payment and other utility bills I knew I 'd still have to pay but I just did n't know how I would pay all of it without any income. 

I decided to call Bank of America to inform them of the hardship I was currently in and facing. The Representative transferred me over to a Mortgage Relief/Modification specialist. In the process of complete all the necessary Mortgage Modification application Documentation submissions, the modification specialist realized something very wrong with the deed and mortgage information. He informed me that my home was in foreclosure through the State of Washington and had been in foreclosure for a few years. The State of Washington placed a lien on the deed and/or title due to unpaid property taxes for the 2nd ParceXXXX associated with my home for nearly 9 years. At this point the Mortgage Modification specialist was required to transfer me over to the Mortgage processing department M, in order to get all this straightened out. They too were completely unaware of my home falling into Foreclosure themselves and were completely baffled because I had never missed nor was late on any payments. They escalated the issue to Management. Soon after, I was informed that since they were not receiving annual Statements from the Department of Treasury they could not assist with paying any back-payments from previous unpaid years. I was completely unaware of the unpaid property taxes for that second parcel because I was not receiving any yearly tax statements from the Department of Treasury myself. My guess, as to why I never received any previous tax statements for the 2nd parcel, is because they were possibly being mailed to XXXX XXXX XXXX, which is the address listed for the location of the second parcel. However, it is not the same address as the Physical address and/or the Lot 's primary Parcel number, nor did that address exist to the XXXX. While in communication with the XXXX XXXX XXXX Representatives, I discovered that the second parcel associated with my house was once an alleyway that was abandoned 60+ years ago. My house just happened to be selected to take over that abandoned alleyway Parcel. Ive contacted every entity and person who was involved in the purchase/transaction of that house, to find out exactly where things went wrong and try to find assistance in fixing the situation. The Department of Treasury, The State of Washington, Bank of America and XXXX XXXX XXXX XXXX, were all pointing their fingers in other directions. This left me in a bad situation where I was left with no other choice but to come up with the funding on my own and get my home out of foreclosure on my own, so I would n't lose it. This was not easy being a single mother on a single income. I still owe many for helping me financially. I have also recently become victimized by severe XXXX XXXX, after a XXXX  from a 12 year marriage/relationship. Once I accumulated enough to get the back payments caught up, pay Bank of America for the Lien lift fees and get it out of Foreclosure, I questioned on future tax payments to Bank of America. I corrected, so that they would start paying the second Parcels taxes and I wouldnt wind up in this situation again. 
They instructed me that I would need to refinance in order to add the second Parcel onto the deed, which would allow them to receive yearly tax statements from the department of treasury. Being as I was in a particularly vulnerable state as it was and not very savvy in the World of Home buying, Foreclosures, etc ... I fell for it and accepted what they told me. Bank of America indicated that I would have to get all the back pay taxes caught up, pay off my 2nd mortgage ( which was used as the down-payment for the purchase originally ), pay any fees associated with title Liens and, last but not least, they would add on any refinance charges to my new loan account that would generate for the refinanced loan. I disclosed, to Bank of America, of my current medical situation and how I would not be capable of making it to them due to my significant injuries and post-op procedure I was healing from. So they arranged, under " special circumstances '' to have a refinance specialist come to my home to complete the paperwork and so we did. 

Now that my mortgage was refinanced, for reasons unknown to me, nor did I receive any forewarning, my mortgage was sent over to XXXX XXXX, who is my current mortgage holder. I contacted a XXXX XXXX under the Department of Treasury and XXXX and I learned that a refinance was not even required to correct the parcel issue with my property and it could be completed quite easily. Ive also discovered, through XXXX XXXX ( XXXX XXXX ), that even after the refinance, there were absolutely no changes made on my deed/title itself, as Bank Of America indicated would happen. Soon after that conversation with XXXX, my first house payment was due, so I called Bank of America to pay it and get the Automatic EFT payments applied once again. I wanted to inform them of the information I received from XXXX XXXX regarding me not being required to refinance to correct an issue, to see what they would have to say. I was looking for some answers as to why I was told I needed to refinance to have everything corrected on the title, so they ( Bank Of America ) would start paying those property taxed. This was when I was notified by the Bank of America representative that My mortgage was no longer with Bank Of America and it was sent to XXXX XXXX XXXX XXXX XXXX XXXX I received nothing prior updating me of this transfer taking place whatsoever. I ended the call with Bank of America and quickly contact XXXX for the first initial phone call and to pay my first mortgage payment post the Bank Of America refinance. I also set up the ACH Payment option available for further mortgage payments. While on the phone with the rep. I informed them of what happened with Bank of America and made them aware that I was not happy about it. They informed me that I 'd have to take up with Bank of America themselves, since they were responsible for that mishap. So after paying my mortgage payment to XXXX I called Bank Of America again. This was when I was transferred back and forth and literally got nowhere, except pointed fingers in another directions. After going through everything else in my life, I just decided to let it go and move on. That was until I went to check on the status of my property tax payment statuses, after a few payments to XXXX and just after property taxes were due. That was when I realized that XXXX also was not making the property tax payments for the 2nd ParceXXXX either and my house was going to end up in Foreclosure once again. I became very frustrated again and started making more calls and decided to try to seek legal council on this problem. I was unsuccessful at finding any legal council because I could n't find an attorney in my area who handles such cases or who has the resources available to handle such cases in general. So today I sit, still without any resolution except to claim Bankruptcy and walk away because this entire ordeal has caused me a lot of trickled down detriment, turmoil and unwanted added expenses. I simply do not have the time to deal with, along with everything else in mine and my daughter 's lives. Here I sit, after I lost my house and was Forced to resort to claiming Bankruptcy. 


Below I have listed information regarding my property XXXX XXXX XXXX # XXXX XXXX ( Primary lot ) Parcel # : XXXX Lot address registered with the XXXX : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ( Partial Lot located in backyard which was placed on the property over 60 years ago due to abandoned alley and was the only residence in the lot with this added tax ) Parcel # : XXXX Lot address unregistered with the XXXX so no mail delivery service available to the Parcel 's listed address : XXXX XXXX XXXX XXXX XXXX, WA 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