Consumer complaint received 2015-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I spoke with XXXX XXXX from Bank of America again today XXXX/XXXX/XXXX and basically I am being told I will be foreclosed upon. When I asked about money/fees etc being written off even if just from the time of XXXX XXXX - til present due to me having an approved short sale buyer from XXXX XXXX - XXXX XXXX when they finally gave up due to lack of response and continued run around from Bank of America I was told no because loan was still active. I understand loan was still active. My point is that I had a buyer for over a year and a half and these fees would n't have been accruing if Bank of America had done their part. Now Bank of America wants to know if I have a back up plan for when the foreclosure takes place next month? What back up plan? I 'll be homeless! XXXX then tells me the Bank of America Foreclosure team will reach out to me and maintain communication etc. I 'm sorry but I 've been experiencing for over XXXX now how Bank of America reaches out and maintains nothing. Really, am I being so unreasonable to want to keep my hope and to request that Bank of America write off the funds that they are directly a part of " causing and Maintaining ''. Especially since this has been going on for so long. I 'd really like to keep my home and start making my mortgage payments again. It 's so frustrating that Bank of America wo n't take responsibility for anything. They even denied knowledge of any shortsale until after I went to court in XXXX XXXX and their lawyer who also was unaware contacted them. Bank of America said the first time they had heard anything about a short sale was the end of XXXX XXXX to which I provided their lawyer with proof that Bank of America had approved it XX/XX/XXXX. Bank of America still just talks double talk around me and repeats themselves. How can they get away with this? They were going to re send loan remodification paperwork but I was told today what would be the point to give me false hope since my income had n't changed and the amount of all my accruing fees are so many. I told them that there were mistakes made on the first one relating to debt amounts. I was told that did n't matter. I asked again if they excused/wrote of money to make it feasible and again was told that 's not possible. How can that not be possible especially when it 's due to errors on their part. According to explanation of closures Bank of America sent to you I supposedly had deed in lieu foreclosure in XXXX XXXX and XXXX XXXX. Why would I have that when I had an approved short sale buyer waiting for Bank of America to do their part of the sale. This also leads to the supposed shortsale declination letter in XXXX XXXX. Again, me and my buyer and realtor were being given the run around by Bank of America. My realtor has proof of her many attempts at contact and responses and providing of requested documents to Bank of America as well as to their attorney which all went to naught. In regards to application closing letter in XXXX XXXX I was yet again being re assigned to another Bank of America customer relations manager who was going to be helping with loan remodification which again all went no where fast and again was a repeat of everything I had been doing and again I was told to disregard letter cancelling anything as I was working with the Customer Relations Manager assigned to me. As far as appeals go I was first told to not even bother by a Bank of America person as anything I brought up from past would be nullified. My realtor has timestamped faxed paperwork showing proof of complying with Bank of America.

Company response to consumer: Closed with explanation