Consumer complaint received 2015-11-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was laid off XXXX while on XXXX caring for my XXXX partner in XXXX, WA. My partner died three weeks later. 
- My partner was dia- On XX/XX/XXXX my partner XXXX ; - He was given weeks to live as there was nothing that could be done XXXX ; - I was called into the office and laid off XX/XX/XXXX ; - My partner passed away XXXX XXXX, XXXX, three days before our two-year anniversary ( 16 years together ) and two weeks before our dog passed away. 
Buried in medical debt and unable to return to work, I lived off savings until going back to work for a year, from XXXX XXXX to XXXX XXXX ; I was laid off again but reached out to Bank of America and proactively addressed getting a HELOC loan or some other way of taking some equity out of the home. That was XXXX XXXX. 
Over the next 10 months, I tried everything : I completed every application and loan document ; I called every phone number given to me by BofA when calling the main loan servicing number ; I did n't qualify for any of the government 's programs because I had made too much money and my home was worth too much ; When I mentioned that my partner/co-borrower had passed away, I was transferred to the XXXX XXXX Unit. The person with whom I spoke was among the most insolent and rude people I 've encountered. She notified me that anything to do with death of a borrower, etc. had to go through her department. I inquired " My partner passed away three years ago. Are you telling me that if Bank of America wanted to establish XXXX new units and make each essential to this process, I would have to do them regardless whether the issue of death was already covered? Because you just said your unit was created ( in XXXX ). " o She demanded that I obtain and submit another official death certificate for her records. 
o '' You have a wonderful day! '' as though we did not just talk about something deeply personal to me. Complete bull and indicative of my customer journey through the process. 
My case manager changed XXXX or more times in a 8-month timeframe XXXX XXXX a BofA supervisor said " First, please accept my condolences for your loss, XXXX XXXX. That is awful. But now, let me also be straight with you. You can continue to apply for the refinance or a HELOC loan and do all of the things we ask you to do but let me tell you something off the record. With as many people as Bank of America has paying 2, 3 or more years late, you are exactly the kind of customer the bank hopes runs into trouble. Because when you can not pay, as soon as you fall one day behind, you will receive a letter of intent to foreclose. And from there, they will move quickly. It may not be fair, XXXX it 's probably not even legal but it 's the way it is. And with everything as upside down as they are and so many people losing their homes, no one will care for a long time. Am I making myself clear, XXXX XXXX XXXX? '' When I received the first Letter of Intent to foreclose the following month ( and it was an expedited process ) a friend told me there was nothing I could do ; As I tried to navigate selling the home, the Bank of America team purposely did everything in its power to stall the sale of the home so either the buyer would give up and walk away or the foreclosure could be enacted ; But we had to lowball the price considerably to get buyers interested ; As the closing date was set for XX/XX/XXXX, BofA engaged in predatory lending practices by coming after my equity rather than taking them as they came, attempting to interfere with the home 's sale, withholding payoff, and other actions that forced the sale at a considerably lower price due to the emotional toll taken on me throughout the process. 
BofA forced the market collapse then profited