Consumer complaint received 2015-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America alleges that I am in default in XXXX, when this is far from true. A customer service Manager ( whom I will not reveal the name as of yet ), indicated on XXXX XXXX that I was not required to pay my mortgage that month through the process. The only pending document was a form I submitted for the Internal Revenue Service approximately XXXX times starting XXXX XXXX, 2015, which the bank finally received. The bank requested and claimed that the Internal Revenue Service denied my form that the form was submitted incorrectly, or the bank did not receive the form approximately XXXX or XXXX times. I have the phone records, names, and documentation. According to the application of the bank, and what representatives at the bank stated, " the IRS form was never even required for a forbearance program. " Furthermore, I asked what the IRS wrote in refusing this document. The bank stated, " I was not allowed to have the information from the IRS, when this pertains to my taxes. " The Freedom of Information Act Laws '' allows me to receive information pertaining to my personal financial information. I am also addressing unemployment programs that the bank stated that was required for a forbearance program when in fact for three months the bank was fully aware of my financial situation, and the application does not state this requirement for forbearance programs. 
The Bank 's XXXX XXXX, 2015, letters outlined required information, and ask me to fax XXXX different sets of documents ( same documents ) at least XXXX times to a Consumer Relations Manager, and Case Manager. Another set of documents the bank had in the case manager 's possession as of XXXX. I was promised by the bank per in writing the XXXX XXXX letter what the bank required, to put this issue to a close. I provided all information, which has been submitted, and resubmitted several times to the bank. The XXXX XXXX letter from the bank also stated that my program final as of XXXX XXXX, 2015. The bank finally recognized my final documents as of XXXX XXXX, per my case manager 's statement after two weeks of trying to submit the information, because my case manager on XXXX different occasions claimed, " he did not get it. '' I have had approximately XXXX case managers during this whole process. 
At this time, I filed a complaint with the Consumer Financial Protection Bureau. On XXXX XXXX, 2015, my case manager called whom I already faxed in XXXX asked for another pieceof information, and an income statement, which the XXXX piece of information the case manager had in his possession as of XXXX, 2015. I stated to my case manager not to call until XXXX XXXX to advice the outcome since all documents were in. This matter has not been resolved. 
I have had received consistent calls from the bank alleging that documents were not received on numerous Occasions. I am currently unemployed and prolonging this process is causing me undue XXXX, and even interfering with my job search, because I am spending considerable amount of time refaxing documents, asking the state for documents ; writing letters of explanations for the bank already received by the bank as far back as XXXX. This whole process started XXXX XXXX, and the date now is XXXX XXXX. with my forbearance not finalized when the bank did receive all documents as of XXXX XXXX, 2015. This would have been sooner, if the repetition of asking for documents would stop. 
The XXXX XXXX letter indicated the documents required, which I already provided, because so much time the bank allowed to lapse in XXXX. I had to ask the State for an updated a statement again. 
If the bank does not adhere to the requirements recognized and finalize my forbearance program by XXXX XXXX, I will forward all documents, evidence, names, times, and phone records to the Consumer Protection Bureau for violations. I will also file a lawsuit.

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