Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I was in the loan modification process and on XX/XX/XXXX I received a letter from Bank Of America that while I was in the process they would not proceed with the foreclosure sale on XX/XX/XXXX also the letter stated it would list a date when documents should be in and they did not have a date. They sent me another letter stating they were missing documents on XXXX XXXX which I had been sending in the documents, then on XX/XX/XXXX I received a financial package of all they needed again which stated it would have the date listed when the documents should be received.I kept sending in documents after documents and they kept saying they didnt receive all of them. I never received a letter stating there was a sale date for XX/XX/XXXX until I called in XXXX. I was told XX/XX/XXXX I could reinstate my loan so on XX/XX/XXXX when I went up to the court house to look at the foreclosure notification to get the fax number on the Courhouse bulletin board the foreclosure notice it was not there, the auctioneer even helped me looked for it. I called Bank Of America and they then said I could not reinstate my loan. XX/XX/XXXX I called Bank Of America and spoke with them about telling me I could reinstate the loan, the representative told me I couldnt because the house had been sold at the time I called Bank Of America to get the fax number on XXXX XXXX, which was not true again the auction had not started and the auctioneer was standing right beside me. According to dual tracking, This is when the lender proceeds with foreclosure while they simultaneously work with the borrower to avoid foreclosure and this is restricted. XXXX XXXX had the property listed for sale on their page for XX/XX/XXXX however they sold it on XX/XX/XXXX I only had {$32000.00} left on my home. I have asked for all my correspondence for this whole year and they said they cant provide it. In XXXX I spoke with someone to catch-up my payment and we went over my financial information and stated I had to pay {$3000.00} the XXXX time then {$1000.00} the following two months and that I would receive the agreement in the mail however they never sent the agreement. In XXXX I was sick with XXXX and suffered complications. I asked for reinstatement figures in XXXX and I never received them during this time I was again suffering from XXXX and its side affects and asked them to postpone the sale and they did. In conclusion they sent me a letter stating they would not foreclose on my home while I was in the loan modification process which I received the XXXX week of XXXX, they even sent me a financial package on XXXX XXXX. They were dual tracking and I believe my loan should be reinstated based upon proof of what they sent me.

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