Consumer complaint received 2015-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I bought a condo and was given a home loan by countrywide. When the economy crashed XX/XX/XXXX I, who was a XXXX, was one of the first to loose my job. We called Bank of America right away and we were told they could n't help us unless we were already late on our payments, we had NEVER been late so we waited the XXXX months they told is to and called back. We were then informed that we did n't qualify because our condo had lost so much of its value ( {$180000.00} down to around {$50000.00} ) Our next move was to do a short sale, we found a wonderful real estate agent who offered to help us for free. The only catch was that the homeowners association did n't have proper insurance on all the condos so we could only consider cash offers. We had XXXX all cash offers for more than the condo was now worth Bank of America denied every offer so after a year and a half we lost hope. We were informed that we could be evicted within XXXX months so we told them there was nothing more we could do and to go ahead and foreclose on it. Within a few months we moved to Montana to start rebuilding our lives in XX/XX/XXXX. In XX/XX/XXXX we filed bankruptcy. When asked if we wanted to keep our condo we told the lawyer no and we chose to surrender it. We were under the impression that the condo was no longer ours after the bankruptcy. A job opportunity brought us back to Washington in XX/XX/XXXX when we got a call from Bank of America saying they still had n't foreclosed we told them there was no way we were going to be able to get caught up and they should have taken it back years ago. Shortly after we received a call from the trustees office informing us that the condo was going to be auctioned off, we then asked if there was anything we needed to do they said " No '' we thought it was over. Then in XX/XX/XXXX we received another call from Bank of America we were shocked to find out that they STILL had n't taken it and AGAIN we told them there was nothing we could do that 's why we had walked away XXXX years ago. We were so confused as to why it was taking so long to foreclose when we had made NO attempt to keep the condo. In XXXX XX/XX/XXXX we were served with papers from the homeowners association saying they were suing us for all the fees for those years BoA had n't foreclosed ( {$20000.00} ). The HOA got a judgment against us and started garnishing our wages at a crippling number. Frantically we called Bank of America to see if they had foreclosed yet and they still had n't! And that 's why the HOA sued us because if they would have waited they could only come after us for XXXX months worth of fees. FINALLY in I think XX/XX/XXXX they foreclosed but we are still on the hook for the fees that we had NO IDEA we were even responsible for. We were NEVER contacted about owing anything ever. So we called Bank of America to see if they could help us since it was their fault they had n't foreclosed and they said they might be able to. Weeks later we finally got a call that they were paying the amount which had swelled to over {$28000.00}, in full. They were sending the check out that night or the following day. YAY! ' We were n't going to be homeless!! Then a week passed, no word no check. So we called and they said that after that call they " reviewed their policies '' and found that they were n't responsible. So they were n't sure how much they would pay for. They then told us they were only responsible for XXXX months worth of the fees and that would be what they would pay which they STILL have n't paid. We have reached out to everyone we could think of to help us and even filed a complaint with the attorney general. Bank of America flat out lied saying we had never tried to do a short sale when there are records of the offers in the XXXX XXXX XXXX database. Fast forward to this year and they have n't paid ANYTHING our checks are still being garnished and we feel hopeless and are about to lose everything.