Consumer complaint received 2016-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am submitting this complaint because of an ongoing " issue '' that Bank of America continues to use against me to deny my modification. When I purchase my property with my father in law XXXX XXXX XXXX in XXXX, I had an ITIN number and he had a valid social security number. The loan officer at the time was aware of this and stated it would not be a problem. In XXXX we refinance to remove my father in law and I provided my new approved social security number. Apparently, my loan was not reflecting my credit so a few months later in XXXX I went with the loan officer and he said he would fix it because BofA was sued under the National Mortgage Settlement and my loan was affected. XXXX, Bank of America started hassling me about another social security number and refuse to help with my modification. I explain the whole situation to BofA and told them when we first purchase the home the loan officer asked if I had another number from my ITIN but I was in process of becoming a permanent resident so I told him not yet. BofA made me sent different XXXX forms with my old ITIN number and new social security number. Then BofA wanted me to submit an XXXX form with the social security number that the loan officer used to refi my loan. Obviously, I had no knowledge of the old social security number so Bank of America provided me the loan number and I submitted the form so they could find out what fraud was done against my loan. Now, BofA had fixed all of this and told me my loan was under review and pending approval for modification. They ask for copies of my social security number, permanent resident card and ITIN number card. On XXXX/XXXX/XXXX, I spoke with XXXX in the loss mitigation department with BofA and informed me the sale date was pending for XXXX/XXXX/XXXX and they were no longer reviewing my loan for help despite having a complete packet. I requested a manger and was transfer to XXXX. XXXX with BofA informed me that a complete packet was received and was under review and he would submit a postponement request to cancel the sale date. XXXX said XXXX XXXX was the assigned account manager and would have ensure my sale date would be canceled since my complete packet was received 14 days prior of the sale date. I was told to follow up with XXXX XXXX within 48 hours for update and sale cancellation. I called back on XXXX/XXXX/XXXX and was informed by XXXX that my file was no longer being review and the sale date will proceed because of an outstanding issue. I asked about the issue and she said she was not able to discuss it over the phone but had mailed me a letter with the explanation and had to wait. I asked about my sale date and she said they would continue and I told her it was absurd as she refuse to tell me the issue and I had to wait to respond but if I received the letter after my home sold then it was not their fault but the postoffice. I did not like her response so I asked for a manager and was transferred to XXXX. XXXX informed me despite XXXX helping me on XXXX/XXXX/XXXX BofA would no longer work with me because of the outstanding issue with my social security and I told her it was resolved and I was under review. XXXX went into the notes and stated that because of Fraud committed they could not proceed. I told her BofA did fraud and were sued because of refinancing using robot signing and false borrower information. I always provided my ITIN number and had switch everything to my social security number once I was approved to be a permanent resident. XXXX became defensive and refuse to acknowledge why my account was under review 2 days prior and now acts like it is not BofA problem. She was trying to intimidate me and said no one would help me not even the CFPB weather the fraud was on their end it was my problem. Please help me. I have a valid social and their trying to pin their fraud on me and want to sell my home.

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