Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I am one of those homeowners who has been through the Mortgage home loan modification nightmare with XXXX. I have been round and round with Bank of America for 5 years now. It has caused me a great deal of stress, which actually limited my ability to generate funds. I have my own business which relies on my own artistic creativity. After the crash of XX/XX/XXXX my business income came to a halt. I struggled for several months to make my regular payments, and then in XX/XX/XXXX I missed a couple payments, and that set me behind.. I then entered the mortgage modification maze and then the bank made my payments so high I could not afford them. 

Until last week I thought I was on the cusp of foreclosure, until Bank of America called me and informed me I was now in foreclosure and had been since XX/XX/XXXX. A fact I was not aware of. I find Bank of America to be XX/XX/XXXX. Just last week I received a letter from them stating I was now in foreclosure. 
I have been the victim of duel tracking where I was told for a long time that I was being considered for mortgage modification, and told not to send in my regular payments and was actually told " we do n't want your money '', and at the same time receiving letters and phone calls demanding I make my payments plus additional penalties which actually almost doubled the size of the payment. So I was also a victim of Robo-signing. My loan started out with Countrywide, and the Bank of America took it and now I have discovered Bank of America does not even have the loan, The Federal Government does through XXXX XXXX. 


Boy that 's really making a home more affordable????? The making homes more affordable program would have me send in a great deal of paperwork with all of my personal financial information, again and again and again and again. Round and round we went. Nothing made any sense! Several times they lost my paperwork and demanded I send it all again. Highly frustrating and stressful! In addition to this, the sour economy since XX/XX/XXXX affected families so much financially they could not afford to send their kids to summer camp. I used the same amount of advertising. I would usually have up to XXXX campers, but XX/XX/XXXX I had XXXX the number of campers. Instead of classes of XXXX to XXXX, I had classes of XXXX or XXXX. In addition my XXXX numbers were also low. 
Severe XXXX Weather stopped all business Usually our XXXX in the XXXX area are mild and I can continue giving XXXX in the XXXX, and XXXX. From XX/XX/XXXX till XX/XX/XXXX, we had the worst XXXX on record. We had at least XXXX major show storms of at least XXXX '' of snow and very cold temperatures. I was unable to do any business, and we had to feed twice as much XXXX, costing me more money! 
Now that I had a lawyer, Bank of America finally gave me a mortgage modification. Then they added over XXXX to my mortgage in penalties, raising the price to {$140000.00} for a home worth {$11000.00} since home values have dropped. So my monthly payment is so high, I rally struggle each month, and I am XXXX and have little Social security money. At a time when I need to retire, I have to look for more jobs just to stay in my home of 26 years