Consumer complaint received 06-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX, Bank of America opened a Short Sale on our Home without any paperwork, authorization, permission or signatures provided by XXXX and XXXX XXXX. 
SEE COPY OF FULL COMPLAINT ATTCHED WITH EXHIBITS During the past year, I suffered illness, a XXXX, and XXXX due to XXXX, therefore, I was unable to respond to Bank of America and XXXX XXXX XXXX. Therefore, I am filing this new complaint with exhibits. Due to my XXXX, I will be filing new complaints, individually. 
On numerous occasions, I have requested through Qualified Written Request, Notice of Errors, emails and telephone calls to Bank of America Master Servicer and XXXX XXXX XXXX XXXX sub-servicer the reason for Bank of America opening a short sale on our home that was n't authorized or initiated by XXXX and XXXX XXXX. 
Between XXXX XXXX and XXXX XXXX, I have requested, from the sub-servicer, XXXX XXXX Servicing through QWRs, notice of errors, emails and phone calls, and between XXXX XXXX and XXXX XXXX, I have requested, from the Master Servicer, Bank of America through QWRs, notice of errors, emails and phone calls, corrections to the following : Why Bank of America opened a Short Sell on our home without our permission? 
Between XXXX XXXX and XXXX XXXX, Bank of America, the Master Servicer, failed to provide the following : By Bank of America operating in the capacity of Master Servicer and servicing our loan, what authority, laws, rules or regulations gave Bank of America the right to open a Short Sell on our home without any paperwork, authorization, permission or signature provided by XXXX and XXXX XXXX. 
Between XXXX XXXX to the Present XXXX, XXXX XXXX Servicing the sub-servicer, failed to provide the following : By Bank of America operating in the capacity of Master Servicer and servicing our loan, what authority, laws, rules or regulations gave Bank of America the right to open a Short Sell on our home without any paperwork, authorization, permission or signature provided by XXXX and XXXX XXXX. 
On XXXX/XXXX/XXXX, Bank of America sent a letter stating a Short Sale had been opened on our home. On XXXX XXXX, XXXX, we received the Short Sale letter from Bank of America dated XXXX/XXXX/XXXX. ( See Exhibit B1, Bank of America Short Sale letter dated XXXX/XXXX/XXXX ) ( See Exhibit B2, Bank of America Short Sale letter envelope dated XXXX/XXXX/XXXX ) On XXXX/XXXX/XXXX, Went into Bank of America at XXXX XXXX XXXX XXXX, XXXX, Az, XXXX, signed in and put reason Bank of America put my home into a fraudulent Short Sale without my permission. 
On XXXX XXXX, XXXX, I Spoke to XXXX XXXX at phone number ( XXXX ) XXXX, Bank of America Short Sale Customer Care Department. XXXX XXXX stated Bank of America opened a short sale for our Home on XXXX XXXX, XXXX. I told XXXX XXXX that my husband and I never requested or authorized a Short Sale. XXXX XXXX stated Bank of America initiated the Short Sale. I asked by Bank of America operating in the capacity of Servicer and servicing our loan, what authority, laws, rules or regulations gave Bank of America the right to open a Short Sell on our home without any paperwork, authorization, permission or signature provided by XXXX and XXXX XXXX. 
XXXX XXXX XXXX stated she was n't at liberty to give me that information ; however, she could provide me with a letter stating all the information she had just given me. 
On XXXX XXXX, XXXX, XXXX XXXX of Bank of America Short Sale Department sent a letter stating Bank of America opened the Short Sale on our home on XXXX XXXX, XXXX and the Short Sale was still open and that it was an attempt of a Short Sale by Bank of America in connection with the property. 
SEE FULL COMPLAINT ATTACHED WITH EXHIBITS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation