Consumer complaint received 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Before about XX/XX/XXXX ( guessing ) I went to an attorney and filed for a legal separation and his is how I acquired the quit deed. Money was getting tight and we did n't have money for the property taxes. We went to BOA in about XX/XX/XXXX, cant remember the year and we 3-wayed a all and spoke to XXXX, he stated not to worry that the bank would pay it. In ecember I called XXXX County and the payment was not made. We went back to the bank and 3 wayed another call, XXXX said the check went out. He called the dept that sends the checks out and the lady said we do n't make payments like that, she hung up. I reminded XXXX, that on a recorded line he made that statement. They paid the taxes. 
Around XX/XX/XXXX, I lost my job, XXXX decided to quit his, got into a serious fight and I called the police and had removed from the property. He took a car that had my name on it also. He went to XXXX. I filed a restraint order. He did n't make any payments so I had the car repossessed. It took a few months to get to the point we could talk. I files for the XXXX Foreclosure Assistance thru XXXX in XXXX. I was able to make payments until about XX/XX/XXXX, then was awarded the loan. XXXX recognized me as the home owner since I had the deed. Between XX/XX/XXXX-XX/XX/XXXX I got a call from BOA, stating XXXX was dead, I knew he was n't because someone in the from the family would have called me. XXXX had to come to XXXX and prove he was alive. As the loan was coming to an end, I still did n't have a job, and I called BOA to see if I could get a XXXX loan. ( XXXX XXXX ) stated the loan was bought out by a company in XXXX and it would be useless to start the paper work, 2 months later after not getting any new paper work I called BOA back and the same lady XXXX Oh we decided to keep it. I told her that I had not received any paperwork for the transfer and nothing about keeping the loan. XX/XX/XXXX, they said we can get you a modified loan, bear in mind XXXX was out of the house. I started a job in XX/XX/XXXX. I was told I did n't have a XXXX house, and I knew I did. In the modification they pulled XXXX XX/XX/XXXX tax return, the year we bought the house. I stated this a modification loan, meaning to change. I was told I had to make XXXX dollar payments, in good faith showing I could make the payments. I paid 6 payments on time. On XX/XX/XXXX, XXXX. XXXX. I managed to pay XX/XX/XXXX and XX/XX/XXXX payments. Workers Comp said they had over paid me and cut XXXX out of my weekly check. It took 8 months to get back part of the money and I never got the other. WC only took responsibility for the chipped elbow.I approached XXXX again ( XXXX XXXX was my connection ) and we started the paperwork for a loan modification. They suggested to remove XXXX name from the loan and put mine on it, asked XXXX if that was legal she said no. Since XXXX, I have filed over XXXX complaints with the CFPB in XXXX, the treasury dept, Federal Reserve, Obama, XXXX governor which was a joke. I called XXXX XXXX, program that can assist in different legal problems. I talked to XXXX attorneys and no one would help me. XXXX XXXX of BOA was assisting on the loan application, everything she asked for was sent it. A utility bill with my name, a letter from XXXX stating he had not lived in the home since XXXX, proof he did n't have a checking account, his pay stubs, and a utility bill with his name on it. XXXX had moved to XXXX XXXX in with his girlfriend. XXXX XXXX kept telling me and XXXX everything was looking good. Then I got an email and letter stating that I would have to sale the home, no XXXX loan because XXXX didnt live in the house

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