Consumer complaint received 2016-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing this complaint once again due to the nature of wrongful foreclosure and underhand selling of my home enforced due to mishandling of my loan with BofA/Countrywide. My loan amount obtained was for {$550000.00} but last was said to be {$820000.00} for Mortgage Arm Loan. My loan was acquired with originally Countrywide XXXX but BofA managed to buy off loan during bankrupt in XXXX XX/XX/XXXX finalization. We made payments till we could no longer due to seeking resolution but advised to not pay in order to qualify for assistance. Worked hard to try get Fixed loan and out of Predatory Stated Income Arm loan from Countrywide. Finally, after pleading & begging a supervisor announced we should have been for help when first 30 days late bc there was programs to assist. We received trial payments XXXX but during course of time my husband suddenly died n was main borrower although I remained on deed. Payments continued being made until BofA Rep advised to stop making payments oddly. With doing so I advised him to note my account and I took his ID n info to reference. Couple months later, XXXX I received denial of Modification for failure to complete payments. I phoned several times on matter and explained but never heard. When I was heard on occasions my Relationship manager would resubmit Mod however, slim chance bc I was given XXXX in pass. Every time I followed up my Relationship manager consistently changed over 20 dozens time causing dual-tracking to take place. I was persistent to get help so I can assume loan and get help so I can make my payments to avoid losing home for my young children, however, no consistent manager on my file and they kept running me around to do other things like probate which costs, seek legal offices and said legal office to help with Mod in which I paid all these people and did not get any help at all when all I wanted was to pay my mortgage. BofA owned my loan and lied several times about it not allowing me any type of resolution or exhausted any options so I can keep my home. This should have never happened and yet it did. The banks keep getting away with this form of matter and I feel the XXXX XXXX XXXX XXXX about it ( for I complained before and yet your office sued the Banks for Shady business ) nor the judicial system because more judges favor big Corporations instead of the truth and poor people. I had a lawsuit in XXXX in which was dismissed due to statue of limitations and the Judge XXXX XXXX did not allow my evidence to be reviewed nor discovery of evidence was ignored. I DID NOT WANT TO SUE, I JUST WANTED TO WORK OPTIONS TO KEEP MY HOME, that was then later put in placed by OBAMA but still ignored for XXXX homeowners, but BofA shady XXXX forced me into this by denying my mods and file Default while in Mod Review which is against the Homeowner Bill of Rights. While Civil suit was going BofA tried and managed to succeed selling my home the second time while in litigations which is unfair to my children most important because I had no ill will to not pay I wanted and begged at times for resolution so I can pay, by the way calls are monitored and should be reviewed. All I want is an investigation and to get my home back. I went to XXXX events and other events and XXXX and on the end it still remained in BofA hands because they had say so on any possible resolutions. I have documents and notes of all actions taken place and yet they are not held accountable for their actions. Where is the justice in that? Fraud was committed, Bad Business practice, Defamation of my character, prejudice preying on widows, Homeowner Rights violated bc I should not had to go thru this while grieving my husband. BTW, BofA XXXX to have a said Investigator contact me which was straight BS due to complaints I made several, XXXX XXXX U did nothing liar and fraud too.

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