Consumer complaint received 2016-06-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I am filing an official complaint against Bank Of America. I believe the original mortgage modification was handled improperly. When I was first having problems making my mortgage payments, I was contacted by an attorney 's office offering me assistance for a mortgage modification for a fee of {$2000.00}. They said that I would have to miss XXXX mortgage payments in order to qualify. I paid the money and they collected my information and contacted Bank of America. I updated requested information in a timely manner. About a year later the law office disappeared. I contacted BOA and they said that they have n't received any updated information in a month. Apparently the law firm had gone out of business due to them being sued. I then started working directly with the bank and basically had to start all over. I updated all information as requested. Another year went by before they made a decision that I qualified for the modification. Now I was behind over XXXX payments. The forms for the modification were sent by XXXX next day air and I only dealt with BOA. I signed the forms and got them notarized and sent them back. I then received notification that there was an error on the forms and they needed the corrected copy signed and notarized and sent back. I then received a notice stating I was approved for the modification and was on a trial period for XXXX months.I made the payments on time and was told it was a permanent modification. I never sent the updated forms back since they had approved the modification. Then in XXXX of XXXX we had an increase in medical expenses and I was in danger of losing my job. I again contacted BOA and again was told I had to be XXXX months behind in order to qualify for any assistance. I received a notice that the house was in the foreclosure process. This is when I found out that there was a second mortgage on the house for {$50000.00}. How could there be a second mortgage on the house. I never had an attorney and did n't have any type of closing. I never received any info about another mortgage and only have dealt with Bank of America. I regularly sent updated info as it was requested. Then I received a notice from the bank 's attorney saying there was a foreclosure hearing in was set for XXXX XXXX. Then I received notice from the attorney stating there was a sale date of XXXX/XXXX/XXXX set. The folks at that bank said they were still reviewing my qualifications for assistance and they would have the decision before the sale date. On XXXX/XXXX/XXXX I was informed that the sale date had been cancelled but they were still working on my case. Meanwhile, fearing my family was going to be homeless, I rented an apartment. I moved my family in and I went back and forth between the house and the apartment. In XXXX, BOA sent a notice stating that I qualified for a Short Sale with no offer. According to the info provided, I went online and printed off the appropriate forms to give to the Realtor I hire. Then call the number provided for the Short Sale dept to inform them that i was accepting the option. The number on the form which was printed in at least XXXX different places, did n't work. I called the XXXX # and spoke with XXXX XXXX She assured me that she made note on my account that I was accepting the Short Sale option. There was no way I could afford the upkeep of the house and the apartment so after my XXXX oldest went back to college, I had to break the lease and move my youngest back in the house with me. My XXXX XXXX XXXX called the bank as he was supposed to do. Then I received a letter from the bank 's attorney saying there was a sale date of XXXX/XXXX/XXXX scheduled. I called the bank and they had no record of the sale date. On XXXX XXXX I found out that the house was being sold at auction on XXXX/XXXX/XXXX. BOA had no record of the Short Sale. The folks that made the offer still want the house. Us possibly homeless.