Consumer complaint received 2015-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had NUMEROUS complaints and ISSUES with Bank of America. In 2005 when we got hit with XXXX XXXX and I lost my XXXX income, I was told they had a hurricane relief program where I did not have to make a payment for 3 months. I called and applied, they told me no problem, after 3 months start making payments again. They told me I did not need to sign anything. After 3 months I receive a notice that I was in foreclosure. WHAT? I freaked out, called and they told me I had to make all my payments immediately or they would foreclose. I emptied my bank account and paid them. 
Then 5 years ago after the real estate market crashed I had a hard time making payments. I was 3 months behind but finally had the # to pay in full. They would not accept my payment, telling me I was in foreclosure. I had never been served. I was NOT in foreclosure. They would not take my $ and told me to call their attorney, XXXX XXXX. It took a month to get ahold of them, I called, faxed, emailed sent certified letter and US mail. Finally they called me back and told me to bring them a {$10000.00}. cashiers check and they had me sign a Stipulation Agreement to make 1 year payments and everything would be fine. I signed it and they notarized it and I thought everything was ok. Well, Bank of America apparently did not know what their attorney was doing and again they denied my #. They returned my payments and told me I was in foreclosure. I was freaking out. B of A said they never received the $ XXXX. I paid for a mediator to straighten this out and B of A told them they never got the {$10000.00}. that I gave the attorney several months earlier. Fast forward 3 years, I have been dealing with B of A to get a loan mod. It has been EXHAUSTING and time consuming. They keep switching account representatives, I keep being told one thing and they do another. Recently I completed my XXXX TRIAL Loan Modification where my payments would be based on 30 year mortgage @ 2 %. I bought the condo in XXXXXXXX5.87 %. So I made the payments based on that new payment structure. So imagine the SHOCK when I get the paperwork to sign for the NEW LOAN and it tells me I will have a 38 year mortgage at 4.87 %. I never would have made those payments if I knew that was the case. I am underwater here and they are NOT helping me, they are hurting me! I agreed anyway because I feel like I have no choice. I made the new payment for this month, after I had notarized the new loan and returned to them. And NOW I just received another NEW LOAN AGREEMENT for a different rate and they are telling me I do n't have to make payments til next year! I am SO confused. I called them right away and they ca n't explain it to me. They said they will have to call me back. I strongly believe they used the old " switch and bait '' on me. I need someone to look in to this for me and help me out. I am drowning here & they are XXXX me. Over and over, and over. It must be illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation