Consumer complaint received 2015-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is an ongoing problem and has bee since XX/XX/XXXX. Bank of America refuses to take any responsibility for their part of my issue with them. As I have told them ( repeatedly ) I am not denying that I am behind in payments what I am having great difficulty with them about my mortgage is their mistakes they 've made which are being placed upon me and becoming my burden. Through BOA own short sale program which they approved I had a buyer and followed all their instructions as did my realtor and yet BOA kept stringing all of us along for well over a year. This means that from the time I had a buyer until present the mortgage issue would have been resolved and no more missed payments and fees etc. Yet, BOA refuses to address this or remove all these fees and costs accrued that are their mistake and instead keeps pushing me towards a short sale or foreclosure. A foreclosure date has been set for XX/XX/XXXX. As far as a short sale goes, that 's really not a practical solution as the BOA customer svs rep wo n't even turn account over to short sale dept for a rep to be assigned. Instead she says to just submit the previous paperwork my realtor had already submitted with the previous potential buyer ( but not that buyers info ) and send through an equater system. I said this has been done before and this is where the ball got dropped before by BOA. I then spoke about appealing again and she said unless my income has changed it wo n't matter. I said that on the last appeal they ( BOA ) had wrong figures in my debt that would increase my income especially since I was told I only missed qualifying by XXXX dollars. My customer service rep said my debts do n't matter only my income. I asked then what was the point in filling out a debt vs income form. She said to just give them a picture but really only the income matters. My customer service rep then asked me if I had looked into refinancing with another institution? I asked who would refinance me with the mess my mortgage currently is and also the amount being charged against me with legal fees, loan fees etc keep varying in their amounts. I also do n't wish to be put in the position where if I end up going through losing my home that to add insult to injury I then get taxed for what ever loss Bank of America determines in the differences. The point being this issue could have been resolved permanently 2 years ago to present with the short sale Bank of America dropped the ball on and I am still paying the price for. I feel now that not only should I be given a clean slate regarding fees etc since having the buyer from 2 years ago to present that I should be given a clean slate to what my balance was when I XXXX had problems with making payments since my last payment in XX/XX/XXXX just on principle because of it still be a problem 4 years unresolved to date and always the same response and action ( or rather lack there of XXXX. 

Sincerely, XXXX XXXX XXXX

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