Consumer complaint received 2017-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In the   XX/XX/XXXX   I applied for a Modification with Bank  of America  for a fixed interest rate, to lower my payments and principal reduction due to the fact my home is severely underwater. I was sent back papers stating papers were not complete. I resubmitted the papers in a complete fashion. On   XX/XX/XXXX  I receiv ed a BPO from a third party  XXXX , who  Bank of America Hired . The BPO was inaccurate. Stating my home was sold in   XX/XX/XXXX  b y  XXXX   XXXX  for {$32000.00}. That would be inaccurate falsified data. I telephoned the third party vendor. I have an attached letter that will explain the details.  Bank of America, has played the cat and mouse game with me for too long. Bank of America,   purchased my servicing papers from  XXXX   XXXX   XXXX , while my home was sitting abandoned. All paperwork should be in their archives. Both banks new my home was arson o n  XX/XX/XXXX  and was left abandoned for   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX  . Leaving me   financially broken. I literally lost my place of employment and had to file for bankruptcy.  Bank of America was not included in the bankruptcy but was listed. I have been unsuccessful in getting Bank of America  to modify my loan with a lower fixed interest rate that will lower my mortgage payment and will not continue to rise every time the mortgage rates increase causing my mortgage to increase. Possibly causing me a payment that I can not afford. My mortgage does not have my property taxes included in it. I pay an association fee of {$160.00} monthly, that continues to increase as well. I pay homeowners insurance also. I would like for Consumer Financial Protection Bureau to investigate this matter regarding my modification. But also other pending issues I have with  Bank of America  that has yet to be resolved. Like the legal description that is still stating someone else owns my property when they do not. The legal description is stating  XXXX  is the owner of my property. I asked Bank of  America to send me a history of my mortgage account. Little to be known, Bank of America,  mailed to be out the history of my mortgage account, but also a legal description stating  XXXX  is the legal described owner. I filed a claim with  XXXX   XXXX   XXXX   XXXX   XXXX , who denied the claim. I filed additional documentation with  XXXX   XXXX   XXXX   XXXX   XXXX , but have yet to hear back from them as well. Please investigate this matter thoroughly. The Modification. The Legal Description.   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX   XXXX  currently  XXXX   XXXX   XXXX   XXXX   XXXX , who continues to state my name is  XXXX   XXXX . I have never uses an alias name in my life. Lastly the falsified data analysis report stating a sale of a contract was entered in   XX/XX/XXXX  fo r {$32000.00} to  XXXX   XXXX , a real estate agent, who works for   XXXX   XXXX   XXXX   XXXX  , located in  XXXX , Illinois.

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 non-monetary relief