Consumer complaint received 2017-09-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

My complaint 's are in regards to my former mortgage company Bank of America. I qualified for a " settlement award '' due to " deficient mortgage servicing and foreclosure processes. '' And because of Bank of America 's " deficient mortgage servicing '' my principal balance is substantially higher. A monthly statement dated XX/XX/XXXX from Bank of America states my principal balance was {$160000.00}. A statement dated XX/XX/XXXX from Bank of America states the principal balance was {$200000.00}. A monthly statement from my current mortgage company dated XX/XX/XXXX states my principal balance is {$190000.00}. My current mortgage company is requesting a document stating that this was not supposed to happen so they may review it and possibly reduce my principal balance. My current mortgage company is reviewing my loan, to see if I qualify for a loan modification. Being that the principal balance is so high my payments are high. My house is only worth approximately {$150000.00} Also, Bank of America reported me to the credit bureau every month that I did not make a payment over the course of 6 years, after I was firmly instructed by a negotiator from Bank of America " DO NOT make a payment while your loan is under review for a loan modification. If you send us a payment we will send it back to you. '' However, in an attempt to move things along with the loan modification process I mailed a certified check for {$9000.00}. When I called several times to check status on payment and spoke with several different representative 's no one could locate the check. However, after I hired an attorney and went to court the {$9000.00} surprisingly all of a sudden the check appeared. I spent {$5000.00} on an attorney to save my home and to move along the loan modification process. I Never should 've had to hire an attorney to get Bank of America to complete a review, that should take no more than 30 days. BUT after 2 years of them reviewing my loan I had NO choice. And even after hiring an attorney it took another 4 YEARS! The amount I received from the settlement was {$870.00}, that will NEVER justify all of the stress, mental anguish, loss of a job I loved, {$5000.00} for an attorney, having my life and my little boys life on hold for 6 years, my little boy and I living out of boxes nothing on ANY of the walls not even my little boys room, because of sheriff sale dates set and cancelled over and over. Six Christmas ' in a row I had to explain to my son why we were n't decorating outside and putting up ALL of the decorations, especially his village and Santa collection. Christmas is his Favorite holiday. It was like we were prisoner 's in our own home. Christmas is a difficult time for us being that my husband, his daddy XXXX XXXX XX/XX/XXXX. Not being able to decorate for 6 years at Christmas '  made it that much more difficult. Ironically when I watched 2 Christmas Classic movies the Scrooge and the Grinch I could n't help but to have Bank of America on my mind throughout the entire movie. I do n't mean that in a sarcastic manner, in a serious manner we watch all of the Christmas classics and those 2 movies were very, very sad to watch if you can picture my little boy and I in our living room with just a Christmas tree all lit up, absolutely nothing on the walls and cardboard boxes scattered. Was very depressing for me. It was sad to think in all reality Bank of America was Scrooge and was the Grinch in real life, our lives. {$870.00} from the settlement will NEVER justify the 6 years Bank of America took from us, Especially 6 years from a little boy, his Christmas decorations, having all of his favorite things on his walls and his room, for 6 years he got his clothes out of boxes, Never out of a dresser, 6 years Never had play dates at our house. While Bank of America was providing " deficient mortgage servicing '' NEVER did they stop to think OR even CARE about their homeowner 's that EVERY SINGLE ON OF US has a story, and how this affected us, our families, babies and children and NEW babies being brought home. Now Bank of America will know mine and my son 's personal story. And, how they, Bank of " AMERICA '' made my little boy and I feel like their prisoner 's and our " home '' a prison for 6 YEARS! That 's NOT AMERICA! Or by ANY MEANS living the AMERICAN  DREAM!