Consumer complaint received 2017-12-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To Whom It May Concern, I XXXX XXXX along with my husband XXXX XXXX XXXX XXXX we were never informed by Bank of America that this modification was a loan. We were under the impress it was a free grant from the government. I spoke to the supervisor XXXX XXXX at HUD he suggested I write a dispute letter disputing the {$95000.00} lien against my property the property address at XXXX XXXX XXXX XXXX XXXX, Florida XXXX. We spoke over an hour I was explaining about the modification that was done in XX/XX/XXXX. My husband and I saw advertisement on the television and heard on the radio and read flyers about this program called XXXX. XXXX was a hardship program under Hamp, Harp they were helping people get current on their mortgage and lower their monthly payments we did n't know any about this program just that it was through the government. We decided to attend the XXXX workshop in XXXX XXXX XXXX, seeking to learn more about the program after my wife was injured in XXXX by a special need student she was no longer working due to her to her injury. 

The neurologist said she could no longer work. So we were down to one income. We drove to XXXX XXXX XXXX hoping they could help lower our mortgage payments not knowing that we were going to be there for 3 days 8 hours a day. But we were patiently waiting until our number was called. When we finally got to a table were there with millions of people waiting to be seen like us. When our number was called we were told to fill out something and then they gave usanother number to wait until that number was called. When we finally got to the 3rd table it  was so noisy and loud they gave us a set of papers to fill out and by that time we did n't comprehend what we were reading and signing we were tired, hungry and sleep deprived and they did n't explain anything to us they basically said sign and date after we did we turned in the paper work the person said next in line we got up and left this was a long three day 8 hour process we waited about a year to get an approved during that year wait our mortgage company Bank of America never explained to us the process of a modification if they had explained that this is something we had to pay back if we sold our home or paid our home off they said nothing we would have said NO we are not interested the modification any more we thought that the whole purpose of getting a modification through XXXX it was a government program to help people with their different situations But they never said anything to us. After a year when finally got approved the amount was less than a {$100.00} XXXX was doing some calculating he said our payments should been lowered by {$530.00} a month with Bank of America but it was n't. 

I told him if we did n't plan to sell our home that we owed this modification lien would have never came up I said closing is on this Friday XX/XX/XXXX. I told him how the title company enlisted my help to speak with Bank of America about things that came up when she did a title search after numerous of conversations with Bank of America they said we had a XXXX balance we owed nothing to them. When the present mortgage services are paid in full they would release the lien at that time that 's all they kept saying. The title company was satisfied with Bank of America and then she wanted my help with my current mortgage company which is XXXX XXXX after speaking with them she was also satisfied until she did more research that 's when she discovered the modification lien she emailed me stating we had to pay this lien in full by or before closing date XX/XX/XXXX. We should have found all this out sooner I blame Bank of America for not telling us since XXXX and Title Company for finding all this out sooner before we are completely pack up along with the buyers now everything is all screwed up. XXXX suggested I speak with Bank America. XXXX XXXX was going to get back with me after he speaks with upper management.