Consumer complaint received 2017-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America is been trying to wrongful foreclose on my home. Bank of America stopped me since XXXX from making my mortgage payments. On XX/XX/XXXX, a fire happened in my home, my tenants and myself was put out of the house by the fire department because there 's was no water or power. My garage and part of my downstairs were totally lost to the fire, and I lost all my incomes, all my rental incomes and my job working for my own elderly tenant as a XXXX XXXX. Bank of America immediately and continue offered me modifications as I asked them for a HARP Program Refinance while I was waiting for the rebuilding of my home. When bank of America put me with the modifications their representatives that handled those modifications made it sounded like I will be approved and promised me that not to worry they are there to help me and I will get help. I continued asked them for a HARP Refinance Program, because I have over {$240000.00}. in my home equity and it makes sense for them to use some of my equity to pay any behind payments in the future while I was looking for another job and while I was waiting for the rebuilding of my home after the fire. Bank of America told me on the phone in XX/XX/XXXX every time I asked for refinance under HARP Program that the HARP Program is over and it 's no longer there. That was not true, that program is still here and not over till XX/XX/XXXX of this year XX/XX/XXXX. All bank of America offers me all the time and every year are modifications. The modifications they offered me in XXXX and XXXX were all frauds. How can I be approved on those two years that they already knew I lost all my incomes to  the fire and they knew already homeowners income is one of the thing and the main thing that their bank approves homeowners for modification, but this is the way and this is how bank of America steal people 's home. The insurance that bank of America picked for my home when I bought it in XXXX also took almost a year to rebuilt my home. My home is been rebuilt since XXXX and I have a lot more rental incomes now, and my own monthly check. I 'm not having financial difficulty anymore like the time of the fire, but bank of America is still stopping me for making my mortgage payments. What is behind on my loan is bank of America 's fault for stopping me for making my payments, telling me that I ca n't make mortgage payments because I was and I am under their fake, illegal, fraud modifications. Here are the illegal frauds and violation bank of America is being doing to my loan from XX/XX/XXXX when I bought my home, fake forge documents paper works, changing of my locked interest rate from 4.25 % to 4.50 % without letting me know, over stated appraisal value of my property, refusing of documents when I ask for, lost of documents for modifications and have me resubmit over and over again, their underwriter violation, violation of UCC9 law, promised me on XX/XX/XXXX of this year XX/XX/XXXX that they reviewed my loan and found a lot of mistakes on their part and said no more foreclosure threating from them but they are here to help me, so they sent me to discharge my bankruptcy XXXX case with my bankruptcy lawyer so they can start helping me, after dismissing my case, they offered me another modification in XX/XX/XXXX of this year XX/XX/XXXX which they fraud me up again, while I am on this time modification after dismissing my case like bank of America told me to go do, they are still saying my loan is in the process of foreclosure, but no sale date. I only discharged my case because of bank of America 's promise no more foreclosure on my loan, and they will help me at this time, apparently not, is all lies this is not right, The other thing Bank of America has on my loan contract documents is XXXX-ROBOT signing I 'm asking your office please do something real quick to help me before this fraud bank take my home, I do n't understand all this frauds and violations all I wanted was to buy a home and make my payments, but I thank XXXX for your help for the homeowners like me that are living with fears and stress of losing home because I do n't understand all these illegal fraud bank. Please contact me if there 's any question my phone is XXXX

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