Consumer complaint received 2015-12-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My wife and I separated a few times from XX/XX/XXXX-XX/XX/XXXX, finally I left and went to XXXX. When we first bought the house both signatures were on the deed. After awhile Bank of America ( BOA ) took it over and I signed a quit claim. In XX/XX/XXXX my wife and I lost our jobs, My wife 's name was not on the loan, but made the payments and gave me a check for XXXX to put on the loan. Where the money went to we have no idea and we have been making inquiries and so far no response. 
The wife applied for the XXXX Foreclose Help and received help. Around XX/XX/XXXX, she notified BOA she still did n't have a job other than a few temp things. 
Finally in XX/XX/XXXX she got a job and was out of town a lot. I had not yet come back to XXXX. In the 2 years I stayed in XXXX I made less than XXXX and XX/XX/XXXX not even enough to file taxes. The man I worked for was suppose to XXXX me, I worked a couple of months with him, he just disappeared. I did n't get a XXXX or a last check. 
XXXX was talking to a XXXX XXXX ( I think that 's his name ). But, before this from like around XX/XX/XXXX or XX/XX/XXXX she worked with many associates to resolve the problem. She would call and get no responses, she was told every time she did n't have permission to speak on my account, but she did. We sent and faxed about 10 times that she could speak on my behalf. 
Around XX/XX/XXXX BOA called XXXX and told her someone called BOA and told them I was dead. XX/XX/XXXX, I moved back to XXXX and stayed with friends. I did n't have a car or a job, my brother lent me some money. 
XXXX and I went to BOA, proved I was alive and spoke to a loan person and told him she could not make the property tax payment and he told us that would not be a problem. He stated the amount due and said the check would be mailed by mid XXXX. XXXX called the tax department and they said no payment came in. 
We went back to BOA and made a 3-way a call, and confronted the officer, he XXXX got the tax dept. on the line and the woman stated that they don, t make payments. She hung up and I told the officer but you will be because I know all conversations are recorded. 
I received some papers in the mail to fill out, XXXX 's info and mine were on there, they did n't ask for any financial information. Never heard back from that, some time after that I got a call and said couple make 2-3 payments of XXXX to show good faith. I was told my payments would be XXXX a month. 
I asked and I called to ask how did they arrive at that. XXXX 's name was on the loan, according to a lawyer friend they should not have asked me anything, since my name wasnt on loan. 

Before it got down to all this XXXX was trying to see if she qualified for a XXXX loan, and they at XXXX XXXX said yes. She called BOA and spoke to the woman before this man ( all is documented at bank and XXXX has copies ) and said she wanted to file for a XXXX Loan, she said Oh we sold your loan to a company in XXXX, no notification to us. Within a month no contact from this other place, so back to BOA, called and same woman said Oh we decided to keep the loan, again no notifications ... XXXX was told she could assume loan after a year on her new job, again asked how did you determine my income, she said they used XXXX information from XX/XX/XXXX when we both made XXXX a hour. To me this is XXXX, attorney friend said they should have not used my info and should have used XXXX 's. XXXX made the XXXX payments for a few times and then XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
On XXXX, XXXX fell off a ladder at work, and placed on Leave of absence and still is. Her workers comp started out paying XXXX for a month, she was able to pay a couple of months, then they started paying her XXXX. She hired an attorney, has still not received the medical help nor the right amount of money on her checks. XX/XX/XXXX., XXXX was to send her a