Consumer complaint received 2015-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/2015 my lawyer helped me send Bank of America a Qualified Written Request ( QWR ) with a 17 item list on mortgage loan # XXXX. I requested within 20 business days the following:1. Initial loan application and final loan application ; 2. Deed of trust with all addendum ; 3. Copy of wet-inked note signed with all endorsements and riders ; 4. Copy of loan payment history including all payments made, all fees incurred, escrow account disbursements, and how payments were applied ; 5. Copy of all disclosures and rate sheets ; 6. Complete history of escrow analysis ; 7. Copy of truth-In-Lending statements and disclosures ; XXXX. Loan servicing agreement XXXX s ) with the loan originator ; 9. All letters, statements, affidavits, and documents XXXX including limited power of attorney, if applicable ) sent to XXXX XXXX by agents, attorneys, or representatives of Bank of America ; 10. Itemization of the amount financed ; 11. Copy of good faith estimate, estimated and final closing statements, appraisal, title report, grant deed ; 12. Documentation of all loss mitigation evaluations and actions taken on this loan ; 13. Full accounting for all money paid and received on this loan from third parties including agreements, contracts, and understandings with vendors that have been paid for by any charges on the account to date ; 14. Identification of the name, address, and telephone number of the current beneficiary of the note and deed of trust ; 15. Identification name, address, and telephone number of the mortgage broker involved in the loan and account for all fees paid to said broker ; 16. Identification of the location of the originals of the entire loan file including the manner in with these docs are stored, maintained, and protected ; and17. Copy of the original bank charter. 

I waited until XXXX/XXXX/2015. ( 20 business days to pass ) On XXXX/XXXX/2015 ( after 14 business days XXXX, I received an incomplete packet. It only included an Adjustable Rate Note and a XXXX History Statement. The response stated that " the investor information requested for this loan will be sent under separate cover. '' And that " the additional concerns addressed in the correspondence require further detailed analysis. We will respond to the request after we have completed the investigation. " I waited from XXXX/XXXX/2015 to XXXX/XXXX/2015 XXXX 30 days XXXX, until Bank of America lawfully needed to send the response to my QWR. 

My XXXX call to Bank of America was XXXX/XXXX/2015. I left a voice message to the Bank of America Litigation specialist, XXXX XXXX, to call me back as soon as possible in regards to the missing information. 

On XXXX/XXXX/2015, XXXX weeks after the first letter, I received another response, this time a XXXX page letter, sent XXXX XXXX Mail, stating that Bank of America needed additional 15 days to complete their investigation. This time the letter contained a different Litigation Specialist, XXXX XXXX. 
The XXXX call I made was on XXXX/XXXX/2015. I called the XXXX XXXX in regards to the missing information and I left another voice mail message, because there was once again no-one to pick up the phone, even during regular business hours. 

The XXXX call I made was on XXXX/XXXX/2015. I called the XXXX XXXX in regards to the missing information. I left a message, saying that I 've been waiting for the rest of my requested information. 

The XXXX call I made was on XXXX/XXXX/2015. I told them that I called the Consumer Financial Protection Bureau to file a complaint because it has now already been XXXX business days. 

On XXXX/XXXX/2015, XXXX XXXX called me saying that she was sending the remaining documents on XXXX/XXXX/2015, or latest by Monday, XXXX/XXXX/2015. As of today Monday, XXXX/XXXX/2015, it has been 50 business days that Bank of America has failed to comply with the law and send me with a complete, timely response.

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