Consumer complaint received 2017-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
we had one of the countrywide loans which was an interest only equity loan, at 2 % that originated in XXXX. the bank was Bank of America. around XXXX, my now ex husband and I started divorce procedures. he was refusing to sign off on the loan or be part of a modification. since the bank would n't modify the loan with just me on the more, and refused to accept payment, I was stuck and the loan went 5 years being unpaid until XXXX came around in XXXX. they explained that they were going to forclose on the note and would not offer me any help to modify and or allow me time to sell the house. I had rented the house right before all of this and the BANK OF AMERICA sent a rep to my house and disclosed all of my personal information to my tenant and told him that I had not paid the bank for 5 years without explaining why and My tenant became enraged and said I was lying and DESTROYED my home. he also stopped paying rent for 6 months at {$2000.00} per month which was money I planned to use to pay the bank with hopefully. when I got the house back he had done so much damage as a result of the two visits from the bank, that I could n't sell it. it needed all new carpet, new Windows, new appliances, rock work, new doors and a new garage door. the damage was estimated at {$40000.00} and that was if I did the work myself. 
so going back to when the bank foreclosed. I asked XXXX to send me the deed to the house which they did not have. they did not have our signatures.and the contract they had was fabricated. I have the original documents. they did n't match up at all. they never listed the sale in the paper and they stopped taking my calls. 
then in XXXX they told me to submit a modification application which I did. I was being reviewed and thinking they would work with me until the morning of XXXX when I got a call from tje auction house saying my home was going to be auctioned. and a half hour later that is what they did. 
the house was sold within seconds of being for sale. they took my home with all of the money I had ( OVER {$200000.00} OF EQUITY ) and they sold it and demanded me out. 
not only were they outside of the jurisdiction to even collect on this loan in California ( 4 years max ), they had falsified all of the documents and lied and misled me and were reviewing documents for a modification when they knew they were never going to consider me this is criminal on a giant scale. they are no different then a thief. I am homeless. I have XXXX kids. that equity was all of the money I had and now I have awful credit and a XXXX has left me unable to work in the capacity that I am used to working. 
sometimes I sleep in my car. my kids have to stay with their dad all of the time until I figure out how to deal with this. that kills me. they broke so many laws I ca n't even begin to list them. and it had devastated me and my family. all so that the bank of America could get a measly amount of money to them but a life changing amount for us. and you ask why I did n't fight them? with what money. my savings are gone. I have slept on the beach with my dog. the lawyers all wanted money up front to fight and when I say no one I mean after making hundreds of calls to help me there was not one including any state or federal people that offered. oh I get to tell my story here. it was a cut and dry thing. 
on top of all of this I had explained that I have a XXXX that is life long. my XXXX made it almost impossible to follow through with the procedure to fight them. I was stupid enough to tell them that and they capitalized on it.

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