Consumer complaint received 2016-05-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

My husband and I built our home in XX/XX/XXXX. At that time, our annual income was XXXX plus social security benefits. In XXXX, when the economy went belly-up, my husband 's employment was eliminated. Our income dropped to XXXX with unemployment and social security benefits. By this time, my husband had survived XXXX and the XXXX. After that, he could not find employment. We then attempted to re-finance our mortgage and did secure a fixed rate FHA mortgage at a lower interest rate than the variable rate we previously had. The mortgage was purchased by Countrywide. We were then advised that Bank of America had purchased that loan from Countrywide. After my husband 's unemployment benefits expired, we pursued assistance with modification of our mortgage loan. We went through the home loan assistance process with Bank of America starting in XX/XX/XXXX. At that point, we were told we had to make three trial payments in order to get a modification of our loan. We were told each time we tried to contact Bank Of American ( hereinafter " BOA '' ) that the loan was in the hands of the underwriters. We received a letter dated XXXX XXXX, XXXX from BOA indicating that we were eligible for the FHA XXXX Affordable Modification Program which included coupons to make three trial period plan payments. We made the first trial payment. At that point my husband began having XXXX XXXX again ( a XXXX and XXXX XXXX ) and had another stent placed. At this point financially, we could not even afford the modified amount with BOA. We notified BOA of this and requested another modification for a lower monthly payment. On XXXX XXXX, XXXX, we received notification from BOA that they had received our financial information and were looking at another modification to our loan. On XXXX XXXX, XXXX, we received another letter from BOA stating they needed more financial and hardship information from us and to refer to the previous letter. The documents were sent. On XXXX XXXX, XXXX, we received another letter from BOA indicating they needed yet more financial and hardship documentation ( which had been previously sent ) and to refer back to the initial letter of XXXX. On XXXX XXXX, XXXX, we received another letter from BOA indicating they needed yet more financial/hardship information - which had all been sent before - On XXXX XXXX, XXXX, another BOA letter came, and again, it requested more financial/hardship documentation - which had been sent again. By this time my husband had been advised that his XXXX was once again XXXX. We were consumed with his health matters at that time. BOA was informed of our situation on multiple occasions through the various representatives we were put in communication with. We contacted XXXX XXXX 's office for assistance in securing a payoff on the mortgage because we could not get anyone at BOA to respond to us. Her office advised us of possible assistance through Indiana 's Hardest Hit Fund, which we followed up on. We were approved for assistance with the mortgage through the Hardest Hit Fund. We then learned that my husband 's XXXX was XXXX. We contacted a Realtor to place the property for sale immediately. The Realtor ran a title search and found the silent mortgage present which we were unaware of. My husband passed away XXXX, XXXX. BOA/XXXX received a death certificate. I am still trying to sell the property. To this day, I still can not get a pay off price from BOA/XXXX in order to sell the property. My Realtor can not get anyone from BOA/XXXX to respond to her inquiries either. BOA has filed a foreclosure action against me and continues to harass me. Most recently an anonymous doc. was posted on my front door stating that the house is vacant and proceedings would begin immediately, after I had answered their foreclosure complaint.