Consumer complaint received 2015-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1. Bank of America unlawfully Auctioned my property XXXX XXXX, XXXX and did not give me the required 30 day notice by law ( see attached tracking which was eventually returned to sender undelivered because I was not available to pick up the letter by required USPS standards - I had not prior notice the letter was coming or had been mailed so I never knew it was awaiting pickup. When I went to pick up the letter after the VA provided me the tracking # on XXXX XXXX, XXXX, it was already returner to sender 2. BOA and or their representatives stated they mailed required foreclosure notification but as you will see from the attached USPS tracking - the letter arrived at the Post Office for pick up on XXXX XXXX, XXXX however, the auction date was XXXX XXXX, XXXX which was not the required 30 day notice by law ( this letter was never received by me because I was unavailable to pick it up within the USPS required standard time so it was returned to sender ) 3. BOA did not provide me the advertisement information for the auction/foreclosure as required by law 4. BOA did not advertise the auctioning of my property on the site ( XXXX ) where it auctioned my property until approximately XXXX XXXX, XXXX and sold on XXXX XXXX, XXXX which was not the legal 30 day time required by law 5. BOA advised the XXXX party buyer ( which held to the agreement ) to not allowed me to retrieve my personal property from the rental property which I was renting month to month until I found employment back in the area. 
6. BOA 's deceptive practices kept my home in a foreclose state ( during my loan modification process ) for over three years and would not allow me to make payments toward my mortgage while my home was being considered for a modification. 
7. BOA tried to unlawfully foreclose on my property when they knew that I was on temporary XXXX XXXX in XXXX 8. Assigned BOA representative that myself and to Veterans Administration ( VA ) were working with did not return our calls weeks prior to the auction/foreclosure and auctioned my property 9. BOA 's deceptive practices and inability to approve my loan modification ( for over three years ) significantly impacted my credit score, caused my credit be held hostage and forced me to have to file for bankruptcy so I could restore my credit 10. BOA refused to appear at my bankruptcy meeting of the creditors hearing and would not allow me to reaffirm my loan due to unemployment. 
11. BOA constantly required me to reapply for a loan modification ( starting the process over at least eight times over three years ) and submit documents ( some of the same documents previously submitted ) 12. BOA deceptive loan modification techniques for producing documents for the loan modification kept changing, they never told me all required documents at one time, allowing some documents to expire ( and I would have to resubmit new current documents ) while they requested new documents from me and justifications instead of asking for all required documents and required standard justifications ( explain all {$100.00} purchases on bank statements, explain all transfers on bank statements, etc ) at one time. 
13. BOA knowingly allowed me to make repairs, upgrades and up keep to my property knowing they had no intentions of approving my loan modifications. 
14. BOA changed my Customer Relations Manager at least 8 times during my loan modification process impeding the approval of my loan modification

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