Consumer complaint received 2015-09-25
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Property Address : XXXX XXXX XXXX XXXX , XXXX, UT XXXX I am a XXXX veteran fromthe XXXX. I have a XXXX award. I am marriedwith XXXX Children. I will try to summarize to the best of my ability what has happenedwith my financial situation, my family, my home, and me since XX/XX/XXXX. In XX/XX/XXXXI was laid off from my place of employment at XXXX XXXX XXXX due to companycutbacks and was unemployed for approximately 4 months and when re-employed wasonly making about XXXX of my previous salary. I have since received a better job but stillhave not reached the income I was making previous to XX/XX/XXXX. In XX/XX/XXXX I was forcedto file bankruptcy due to my distressed financial situation. Bank of America neveroffered me any help, assistance, or options to keep my home. Throughout thishardship I kept in contact with my mortgage company Bank of America to try to workout different options to keep my property or at least avoid foreclosure and possiblywork towards a deed in lieu of foreclosure or a short sale. The only option they everoffered was a forbearance to reinstate which would make my payments higher to payback the arrearages. Since I knew I could not keep my home because Bank of Americawould not work with me, I was forced to move out. I did keep the property in goodcondition and even winterized it before I left. In the end Bank of America foreclosed onmy property and used up all of the VA funds backing my VA loan so at this point I canno longer use the benefit of a VA loan that I have earned as a veteran. I have gonethrough the VA to find out that I am eligible for a VA loan at this time but no longerhave the money backing it unless Bank of America pays it back. My options forpurchasing a home in the future are limited unless Bank of America at least refundswhat they took from my VA loan coverage. This would at least allow me to me ahomeowner again. I most recently spoke to my congressman, attorney general andfiled a complaint with the Consumer Financial Protection Bureau and have still had noresolution. Bank of America claims they offered me these solutions I asked for becausethey sent a letter to the address I was no longer at. On any phone calls I made to themthey would not give me any of the options in this letter. I feel I have been hurtfinancially and to top it all off I actually recently qualified for a home loan ( which was ata higher payment because I could not get a VA loan ) and even made an offer on theperfect home for my family but was told in the end I could not get the loan becauseBank of America held onto the home and additional year after I filed bankruptcy. I amjust trying to get my life back on track and this whole Bank of America issue keepslooming over my head. Bank of America or Countrywide do not stand by the noticesthey sent out. I specifically called for all three options of Loan Modification, Short Saleor Deed in Lieu well before the foreclosure sale date to save my home or try toliquidate the property with more value in it at an earlier date. Bank of America'srepresentatives specifically told me that a Short sale or Deed in Lieu were not anoption per their pooling and servicing agreement. Because they did nothing but offerme a repayment plan that would increase my monthly payments while I wasunemployed they lead me to believe my only options were to file bankruptcy and that Icould not keep my home. I was not given options many of their other home ownershave been given and if this is investigated further it will be proven that what I amasking for is very minimal compared to other claims their company has had to pay out. 
In my last communication with CFPB you just took Bank of America for their word and closed