Consumer complaint received 2015-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing a formal complaint against Bank of America and XXXX and whatever other entities I need to and any all it 's representatives or contractors or attorneys relating to the servicing and illegal foreclosure of my home loan. It is my goal to to able to resind, revoke, the wrongful foreclosure and have my loan restructured in a feasible manner. In the alternative, if I am not able to restructure my mortgage loan, at the very least I want to exercise my right to purchase it back! Told no then yes but must pay full price cash? I believe I am XXXX of the XXXX affected by the law XX/XX/XXXX. In XX/XX/XXXX I modified my mortgage at an excellent rate. I made payments for quite some time. Then I was contacted by the servicer and told my loan was illegal and that the employees involved had been reprimanded and/or terminated. The mortgage servicer " made it right '' by putting me into another loan that was supposed to be a 30yr fixed, it turned out to have a XXXX attached to it and also reset to be an adjustible XXXX loan with the lowest amount being double my other payment. I was XXXX, had surgery, could not drive and they sent a representative to my home stating there would be " grave consequences '' If I did not sign right away. The economy crashed and I had a loss of income, used my savings to pay the loan each month. I contacted the bank to fix this loan and they said they could do nothing until I was at least 3 months behind in payments, they gave me specific instructions the only way to get help is do n't pay. ( i have documents, ledgers, notes ) In the mean time I received notices to accelerate, I was told ignore as that dept. was behind and not to worry because I was under the remod plan but that the bank had not set it up yet due to it 's merger Countrywide/Bank of America, then I was told well-you were under XXXX. XXXX plan? originally now you have to qualify under Obama plan, Also during this time I was being contacted by XXXX XXXX saying they were my PMI, I called the bank and was told specifically they were not a real company and not to talk to them, ignore anything I got from them. After speaking with their rep. a XXXX XXXX I found BofA lied to me again. I started a workout plan with them, then the bank said no I must do work out with them. I waited and received my Home mod. packet on a Friday and received a foreclosure notice that Monday. Even then I was told to ignore that notice, many conflicting things, then I could n't get thru, i even had their own reps. try to get thru to the remod dept. I have an affidavit where my XXXX tried. Then I contacted the consumer agency in XXXX '' XXXX XXXX. and then the XXXX XXXX XXXX retaliated and said since I 'm contacting a Govt. agency she would deny, they also said " IF ANY OF MY INCOME CAME FROM XXXX, THEY WOULD NOT REMOD MY LOAN '' i TOLD THEM THAT WAS BREAKING A FEDERAL LAW and DISCRIMINATION. Then I was told since my loan went to '' legal '' they could not remod. Many conflicting stories, I have documents to back up. All along I have stated I WANT TO KEEP MY HOME! They auctioned my home back to themselves at a higher than market rate. When I asked for them to produce documents their atty 's refused and failed to disclose info. to me to help me save my home. I was derailed at every step of the way, lied to, coerced, threatened me with the police actually coming to my home. Then i was told I could remod if I payed all back fees, taxes and their atty 's fees! Fraudulent remod, specific advice to default, Threats, Dual tracking, Retaliatory denial, Banks atty 's failure to disclose, I have tried contacting many different Govt. agencies re : this and The Govt. and Corporate bureaucracy is ridiculous, saying wrong dept ; or I worded it wrong. I am a XXXX consumer, I need help an advocate I want, need to keep my home. This ruined my credit, job oportunitie

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