Consumer complaint received 2016-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX I contacted Bank of America, N, A,. whom is the servicer of my mortgage to let them know that I had lost my job and I may be having a hard time at making my mortgage payments. At that time I was not behind on my mortgage at all. Bank of America, N, A,. told me that they could do an loan Modification on my loan but i would have to be at least 60 day 's behind on my mortgage. I made arragements with them to begin my arrears on XXXX XXXX, XXXX and paid any and all of my mortgage payments up to that date. Bank of America, N, A,. sent me the MAKING HOME AFFORDABLE loan modification package I filled out this package and returned it on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Bank of America, N, A,. filed in the official court records of XXXX XXXX, Florida an Fraudulent and Forged Loan Modification Agreement to repair the missing State and County on the original mortgage. I contacted Bank of America, N, A,. to check on my application status and they assured me that they did receive it and was in review of the application. On XXXX XXXX, XXXX Bank of America, N, A,. filed an INTENT TO ACCELERATE MORTGAGE. At that time I contacted Bank of America, N, A,. to check on the status of my application and was assured that it was still in review and not to worry about the NOTICE OF INTENT TO ACCELLERATE MORTGAGE that it was a notice automatically sent out by it 's computer system because of my being in the arrears. On XXXX XXXX, XXXX Bank of America, N, A,. removes Mortgage from MERS Mortgage Electronic Registry System , Inc. and files a Fraudulent AOM Assignment of Mortgage establishing a new Chain of Title in the official Record Books of XXXX XXXX, Florida. 

As we continued to fall behind as we were awaiting on our application to be reviewed and approved I continued to make contact to Bank of America, N, A,. via telephone and continued to be assured that my application was still in review. On XXXX XXXX, XXXX Bank of America, N, A,. Filed its Mortgage Foreclosure Case and filed False, Fraudulent, and Forged documents as their Exhibits on its claim. On XXXX XXXX, XXXX Bank of America, N, A,. reported that the Foreclosure case was closed and the house was sold and they filed their claim for the FHA MIP insurance, on XXXX XXXX, XXXX Bank of America, N, A,. received their FHA MIP Insurance Claim Number XXXX and received an FHA Payoff for {$160000.00} while this Mortgage Foreclosure case was still being litigated. 
On XXXX XXXX, XXXX Bank of America, N, A,. filed for a Substitution of Party and Amend Style of case. Mortgage Foreclosure was then turned over to XXXX XXXX XXXX , XXXX. and the case then continued on. On XXXX XXXX, XXXX the Mortgage was Changed from an FHA Mortgage to an Conventional Mortgage without any drafting of any new Mortgage Documents, the Counsel for XXXX XXXX XXXX , XXXX. XXXX XXXX claims that the FHA Mortgage was Decommissioned. On XXXX XXXX, XXXX the Final Hearing was held and was awarded to XXXX XXXX XXXX , XXXX. THIS CASE NUMBER IN THE LOWER COURT WAS XXXX AND THE APPEALS CASE NUMBER IS XXXX. This case is full of Fraudulent Transfers and Forged and Fraudulent Documents.

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