Consumer complaint received 2016-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is my 2nd complaint I 've filed on Bank of America 's Mortgage Loan Department regarding my Home Loan Modification. This time, I was APPROVED for both of the programs in XX/XX/XXXX for the Federal Housing Administration Home Affordable Modification ( FHA-HAMP ) Modification WITH Partial Claim. But, then Bank of America REVOKED MY APPROVAL AND REJECTED MY ELIGIBILITY ACCEPTANCE INTO THE PROGRAMS AFTER MY 1ST PERMANENT PAYMENT WAS RECEIVED AND ACCEPTED IN XX/XX/XXXX. XX/XX/XXXX started my first of the 3 trial payments and XX/XX/XXXX was the 1st month starting my 1st PERMANENT loan payment which was made and received. Not until after the payment was processed did I find out that " Bank of America regrets to inform you that you are not eligible at this time for Federal Housing Administration Program ( FHA-HAMP ) Modification with Partial Claim for the following reason ( s ) : " We did not receive the required signed loan agreement documents by the specified deadline. '' First off, I submitted the required documentation needed and followed all explicit instructions to notarize correctly at the Bank of America location nearest my home and had the paperwork FEDEXED overnight back to the address requested. I CONFRIMED RECEIPT OF THIS PACKAGE AND DOCUMENTS BY A BOA REPRESENTATIVE IN THE NAME OF XXXX ON XX/XX/XXXX VIA A TELEPHONE CALL THAT I MADE TO BOA. This is the ONLY COMMUNICATION I 'VE HAD WITH BOA since I received the approval/eligibility letter for the programs back in XX/XX/XXXX. It has been a pulling teeth battle to get in-touch with ANYONE much less my said, " CRM '' ( which I outline the timeline of events that my application has been tossed around between representatives ) and have been WITHOUT ANY COMMUNICATION FOR MONTHS REGARDING THE STATUS OF MY APPLICATION NOR RECEIVED ANY RETURNED CALLS FROM MY REPEATED MESSAGES LEFT FOR MY CRM 'S ECT. Thus, one evening on the night of XX/XX/XXXX my neighbor knocks my door to deliver a standard-sized letter from BOA addressed to me but received by him at his address. This is the denial letter DATED XX/XX/XXXX rejecting me of my eligibility to the programs stating they had n't received my loan documents thus resulting in the denial of the permanent modification programs previously approved for. The letter also stated I had 30 days to appeal this decision which in turn had already passed on the night of the XX/XX/XXXX when I was first notified. I IMMEDIATELY CONTACTED BOA THE NEXT MORNING ON THE XX/XX/XXXX and spoke to Mr. XXXX, a representative on behalf of my said CRM at the time named, XXXX, ( whom I 've never heard of ) because she was " unavailable ''. I explained the situation and pleaded and begged for an explanation of the events that have occurred and for some reason have missed and were uninformed of until then. Mr. XXXX explained, my documents were received by BOA on XX/XX/XXXX and were said to have 2 pages notarized incorrectly and were to have the corrected documents SENT BACK and RECEIVED no later than XX/XX/XXXX! Since they were n't received the letter drafted on XX/XX/XXXX by BOA was apparently MAILED VIA USPS REGULAR MAIL and delivered to the wrong address, hence resulting in my failure to be notified. Furthermore, I NEVER RECEIVED ANYTHING REGARDING THESE INCORRECT DOCUMENTS NEEDING IMMEDIATE RECEIPT BY XX/XX/XXXX! Mr. XXXX said that the documents needing revisions were sent out to me VIA USPS REGULAR MAIL sometime between XX/XX/XXXX however, they are still untraceable and know where to be accounted for nor proof of that mailing could be given to me either. ***THE REST OF THIS COMPLAINT WILL BE FILED IN ANOTHER COMPLAINT DIRECTLY TO FOLLOW AS THERE ARE MORE RELATED ISSUES THAT WO N'T ALLOW ME TO FINISH TELLING IN THIS COMPLAINT FORUM. ***

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