Consumer complaint received 2015-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'd like to complain about the way Bank of America Treats it 's mortgagee 's. Our experience with them was very unprofessional. I 'd first like to let you know they were not our choice, our mortgage was bought by them. 
Everything was fine until we had some family and financial troubles. Our business being very slow & loss of employment. At this time not only were we searching for work, but my mother was dying from XXXX and my wife 's father was XXXX with XXXX. 
We contacted BOA and was given a contact person. We were then asked to fill out paper work which we did. This process happened many, many times over the next year or so. We 'd fill out the forms for help and then we would get a new contact person and have to start the process all over again. How do they expect anything to work out when they keep changing the contact person, without transferring the paper work over? If they would keep you with the same contact person for more than 2 or 3 weeks maybe people would get the help they need. 
I even tried going to some of the local BOA offices, XXXX who let my daughter and myself sit there for around 30 minutes and the XXXX office on XXXX XXXX, who told me they would look into it and give me a call. Never heard from them. I called the XXXX office and spoke to the branch manager, who also said she would look into it. Never got back to me. Is there anyone in BOA that will follow thru and at least call you back? 
Then the foreclosure threats started. When we called we told that they were working on it or they would hang up on us. 
They knew all about our problems at home but did not care. I would get calls at our place of business and also when I was in the XXXX with my dying mother. I lost my mother in early XXXX, I will never get that lost time back, it 's to late!! 
They really do n't care about people, how could they we never had the same person long enough to get anything started. 
At XXXX point after cashing in my XXXX and my wife 's life insurance policy, we almost had enough to make our account current. We were around {$800.00} short. We were told they would take the money, but that would not take us out of foreclosure. How can any bank be so heartless? 
At this point they started sheriff sale proceedings. A carrier from there attorneys office came to our home when we were not home. She had open documents and proceeded to interrogate our XXXX year old daughter with questions. She was so upset she called us and we had to come home. My wife talked with her the whole way home trying to calm her down. Is n't it against the law to serve open documents like that to a minor? 
We call the office to ask why this was done and what was said to her, but they NEVER called us back. Then to put the candle on the cake on the day of my mothers burial, I return home to find a sheriff sale notice laying on my front walk. How heartless can a bank be to know what was going on, and do that on one of the hardest moments of my life. 
We then put our home on the market, we had a contract to sell our house and it still did n't stop the sheriff sale. We had to go to court and get a postponement. 
We sold the house on XXXX XXXX, 2015 and the amount from the sheriff office was paid. We were told at this time we owed them {$6000.00} more. I thought the amount they gave the sheriff was the payoff figure. I guess NOT!! 
I feel we should be compensated at least {$10000.00} for all that they put us thru. To this day we are still receiving monthly bills from them. This is XXXX our mortgage was paid in full in XXXX with an extra XXXX grand to boot. 
When will they get there act together? Does n't anyone in BOA know what they are doing? When will the harassment stop? 
I wish they would stop telling everyone how wonderful they are on TV, they should tell people they will mistreat them instead. Please help us and many others.

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